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{"sheet":"Feed(WS)","index":0,"n_rows":150,"n_cols":29,"rows_kept":150,"cut":false,"hidden":true,"merged":[[137,1,137,2],[138,1,138,2],[139,1,139,2],[142,1,142,2],[135,1,135,2],[136,1,136,2],[140,1,140,2],[141,1,141,2],[133,8,133,9],[79,8,79,11],[134,8,134,9],[128,1,128,3],[129,1,129,2],[130,1,130,2],[131,1,131,2],[132,1,132,2],[133,1,133,2],[79,1,79,4],[134,1,134,2]]}
["FICO","LTV","Grades","Doc Type","Additional Adjs","DTI","Loan Amount","Prepayment Penalties","Escrow Waiver","Purpose","Property Type","Occupancy","Term","Lock Period","Comp Type","Citizenships","Foreign National","Buydown","Subordinate Financing","State",null,"NOO & 2nd Home >75% LTV",null,{"$f":"IF(AND(OR('NonQM Program(JAM)'!U10=B9:B11),OR('NonQM Program(JAM)'!U19=L4:L6)),V4,V3)","v":"Not Applicable"},"Full/Alt 0.250, DSCR 0.500",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U13=D3:D4),OR('NonQM Program(JAM)'!U12=C4:C7)),0.25,IF(AND(OR('NonQM Program(JAM)'!U12=C8:C10),OR('NonQM Program(JAM)'!U11=A3:A9),OR('NonQM Program(JAM)'!U23=H7:H9),OR('NonQM Program(JAM)'!U13=D5),OR('NonQM Program(JAM)'!U20=K3:K5,'NonQM Program(JAM)'!U20=K7:K9)),0.5,0))","v":0},"Special "]
["Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection",null,"Full/Alt NOO & 2nd Home ≤75% LTV",null,{"$f":"IF(AND(OR('NonQM Program(JAM)'!U10=B3:B8),OR('NonQM Program(JAM)'!U12=C3:C7),OR('NonQM Program(JAM)'!U19=L4:L6)),V4,V3)","v":"Not Applicable"}]
["780+","<=50","Select Standard","Full Doc","None in this Dropdown","DTI ≤45% - All Doc Types","<$150,000","No PPP *See PPP Section*","Escrow Not Waived","Purchase","SFR","Primary","15YR Fixed","15 Day","Borrower Paid","US Citizen","Not Applicable1","No","No","All Other States",null,"Not Applicable",null,null,"Cash-Out/Debt Consol. FICO < 680",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U11=A9:A12),OR('NonQM Program(JAM)'!U18=J5:J8)),VLOOKUP($Y$3,'NonQM Program(JAM)'!$G$26:$I$66,3,FALSE),0)","v":0},"Cash-Out/Debt Consol. FICO < 680"]
["760-779","50.01-55","A+","Alt Doc","Asset Utilization","DTI >45% - All Doc Types","$150,000-$1,000,000","6 Months PPP","Escrow Waived","Refinances","2 Units","Second Home","30YR Fixed","30 Day",null,"Permanent Resident","Not Applicable2","2:1 Buydown","Yes","Alaska",null,"Yes",null,null,"Not Applicable",null," "]
["740-759","55.01-60","A","DSCR","1099 Only","DTI ≥50% - All Doc Types",">$1,000,000","12 Months PPP",null,"Debt Consol. ≤ 70% LTV","3-4 Units","Full Doc - Non-Owner","30YR IO Fixed","45 Day",null,"Non Perm Resident","Not Applicable3","1:0 Buydown",null,"California",null,null,null,null,"Yes",null,null,null," "]
["720-739","60.01-65","B",null,"VOE Only","No DTI Program",">$1,500,000","24 Months PPP",null,"Debt Consol. >70% LTV","DSCR 5-8 Units","Non-Owner (Alt Doc/DSCR)","40YR IO Fixed","60 Day",null,"ITIN",null,null,null,"Maryland",null,null,null,null,null,null,null,null," "]
["700-719","65.01-70","C",null,"P&L w/ Bk Stmt",null,">$2,000,000","36 Months PPP",null,"Cash-Out ≤ 70% LTV","Condo",null,"40YR Fixed","75 Day",null,"Foreign Nat' With Fico",null,null,null,"Minnesota",null,null,null,"green is logic",null,null,null,null," "]
["680-699","70.01-75","Select - DSCR",null,"DSCR STR",null,">$2,500,000","48 Months PPP",null,"Cash-Out >70% LTV","NW Condo",null,"5/6 30YR ARM",null,null,null,null,null,null,"New Mexico",null,null,null,"z1 cell has 2 specials formulas",null,null,null,null," "]
["660-679","75.01-80","DSCR (≥1.20)",null,null,null,">$3,000,000","60 Months PPP",null,null,"PUD",null,"5/6 30YR IO ARM",null,null,null,null,null,null,"New Hampshire",null,null,null,null,null,null,null,null," "]
["640-659","80.01-85","DSCR (≥1.00)",null,null,null,">$3,500,000",null,null,null,null,null,"5/6 40YR ARM",null,null,null,null,null,null,"Delaware",null,null,null,null,null,null,null,null," "]
["620-639","85.01-90","No Ratio (0.75-0.99)",null,null,null,">$4,000,000",null,null,null,null,null,"7/6 30YR ARM",null,null,null,null,null,null,"Georgia"]
["600-619",null,null,null,null,null,null,null,null,null,null,null,"7/6 30YR IO ARM",null,null,null,null,null,null,"Illinois",null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,"Title Vesting",null,null,null,null,"7/6 40YR ARM",null,null,null,null,null,null,"Kansas",null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"New Jersey"]
[null,null,null,null,null,null,null,"NJ Title Vested In LLC",null,null,null,null,null,null,null,null,null,null,null,"North Carolina"]
[" 'NonQM Program(JAM)'!",null,null,null,null,null,null,"NJ Title Vested In Corp"]
["Feed(WS)'!"]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Pop Ups",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["No Ratio above 60% warning",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U10='Feed(WS)'!B6:B11),'NonQM Program(JAM)'!U12=\"No Ratio (0.75-0.99)\"),TRUE,FALSE)","v":false},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Disqualifiers",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["ITIN",{"$f":"IF(AND('NonQM Program(JAM)'!U15='Feed(WS)'!P6,'NonQM Program(JAM)'!U10=B11),NA(),\"\")","v":""},"ITIN N/A for 85.01-90% LTV",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["ITIN",{"$f":"IF(AND('NonQM Program(JAM)'!U15='Feed(WS)'!P6,OR('NonQM Program(JAM)'!U11='Feed(WS)'!A10:A12)),NA(),\"\")","v":""},"ITIN minimum 660 Fico rule for all LTVs",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["ITIN",{"$f":"IF(AND('NonQM Program(JAM)'!U15='Feed(WS)'!P6,OR('NonQM Program(JAM)'!U17='Feed(WS)'!G6:G9)),NA(),\"\")","v":""},"ITIN 0-1.5 mil loan amount max",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["ITIN",{"$f":"IF(AND('NonQM Program(JAM)'!U15='Feed(WS)'!P6,OR('NonQM Program(JAM)'!U10=B10:B11),OR('NonQM Program(JAM)'!U19=L5:L6)),NA(),\"\")","v":""},"ITIN N/A for 80.01-90% LTV on NOO",null,null,"Disqualifiers Select Standard",null,null,null,null,null,"Disqualifiers DSCR",null,null,null,null,"Disqualifiers A+",null,null,null,"All States PPP"]
[" Foreign National",{"$f":"IF(AND('NonQM Program(JAM)'!U15='Feed(WS)'!P7,OR('NonQM Program(JAM)'!U11='Feed(WS)'!A8:A12)),NA(),\"\")","v":""},"FN minimum 700 Fico rule",null,null,"Occupancy",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U13=D5),'NonQM Program(JAM)'!U12=C3),NA(),\"\")","v":""},"Select N/A s DSCR",null,null,null,"Prop Type",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U20=K4:K5),'NonQM Program(JAM)'!U12=C10,OR('NonQM Program(JAM)'!U10=B10:B11)),NA(),\"\")","v":""},"2-4 Units is capped at 80% LTV",null,null,"FICO X Loan Amt X LTV X A+",{"$f":"IF(AND('NonQM Program(JAM)'!U11=A8,OR('NonQM Program(JAM)'!U17=G3:G5),OR('NonQM Program(JAM)'!U10=B11),'NonQM Program(JAM)'!U12=C4),NA(),\"\")","v":""},"680 FICO caps <125k to 1.5MM at 85% LTV",null,"PPP for all other states Investment",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U19=L5:L6),('NonQM Program(JAM)'!U23=H3),OR('NonQM Program(JAM)'!U25='Feed(WS)'!T3)),NA(),\"\")","v":""},"IF All Other States and NO PPP is chosen then it will N/A"]
["All PPPs",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U25=T7:T10,'NonQM Program(JAM)'!U25=T4),OR('NonQM Program(JAM)'!U23=H4:H9),OR('NonQM Program(JAM)'!U19=L5:L6)),NA(),\"\")","v":""},"NA if PPP is selected for AK, ME,MI, NM",null,null,"Occupancy",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U19=L4),'NonQM Program(JAM)'!U12=C3,OR('NonQM Program(JAM)'!U10=B9:B11)),NA(),\"\")","v":""},"Select  2nd Home Max 75%",null,null,null,"Prop Type",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U20=K4:K5),'NonQM Program(JAM)'!U12=C10,OR('NonQM Program(JAM)'!U10=B9:B11),OR('NonQM Program(JAM)'!U18=J5:J8)),NA(),\"\")","v":""},"2-4 Units is capped at 75% LTV Cahshout (5% Reduction)",null,null,"FICO X Loan Amt X LTV X A+",{"$f":"IF(AND('NonQM Program(JAM)'!U11=A8,OR('NonQM Program(JAM)'!U17=G6),OR('NonQM Program(JAM)'!U10=B10:B11),'NonQM Program(JAM)'!U12=C4),NA(),\"\")","v":""},"680 FICO caps over 1.5MM to 2 MM 80% LTV",null,null,{"$f":"IF(AND(OR('NonQM Program(JAM)'!U19=L5:L6),OR('NonQM Program(JAM)'!U23=H3,'NonQM Program(JAM)'!U23=H8:H9),OR('NonQM Program(JAM)'!U25='Feed(WS)'!T6)),NA(),\"\")","v":""}]
[1099,{"$f":"IF(AND('NonQM Program(JAM)'!U14=E5,OR('NonQM Program(JAM)'!U17=G9:G11)),NA(),\"\")","v":""},"NA on 1099 over $3MM",null,null,"Occupancy",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U19=L5:L6),'NonQM Program(JAM)'!U12=C3,OR('NonQM Program(JAM)'!U10=B9:B11)),NA(),\"\")","v":""},"Select  NOO Max 75%",null,null,null,"DSCR",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U11='Feed(WS)'!A3:A12),'NonQM Program(JAM)'!U13='Feed(WS)'!D5,OR('NonQM Program(JAM)'!U10='Feed(WS)'!B9:B11),OR('NonQM Program(JAM)'!U18='Feed(WS)'!J5:J8)),NA(),\"\")","v":""},"DSCR 75% CAP on Cash out ",null,null,"FICO X Loan Amt X LTV X A+",{"$f":"IF(AND('NonQM Program(JAM)'!U11=A8,OR('NonQM Program(JAM)'!U17=G7),OR('NonQM Program(JAM)'!U10=B9:B11),'NonQM Program(JAM)'!U12=C4),NA(),\"\")","v":""},"680 FICO caps over 2MM to 2.5MM 75% LTV"]
[" Foreign National",{"$f":"IF(AND('NonQM Program(JAM)'!U15='Feed(WS)'!P7,OR('NonQM Program(JAM)'!U17='Feed(WS)'!G7:G9)),NA(),\"\")","v":""},"FN 0-2 mil loan amount max",null,null,"Prop Type",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U20=K7),'NonQM Program(JAM)'!U12=C3,OR('NonQM Program(JAM)'!U10=B11)),NA(),\"\")","v":""},"Select Condo Max 85%",null,null,null,"DSCR Select",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U12='Feed(WS)'!C8),OR('NonQM Program(JAM)'!U20='Feed(WS)'!K4:K5,'NonQM Program(JAM)'!U20='Feed(WS)'!K8)),NA(),\"\")","v":""},"NAs 2-4 Units/NW Codno",null,null,"FICO X Loan Amt X LTV X A+",{"$f":"IF(AND('NonQM Program(JAM)'!U11=A8,OR('NonQM Program(JAM)'!U17=G8),OR('NonQM Program(JAM)'!U10=B8:B11),'NonQM Program(JAM)'!U12=C4),NA(),\"\")","v":""},"680 FICO caps over 2.5MM to 3MM 70% LTV"]
["NAs >$4,000,000 ",{"$f":"IF('NonQM Program(JAM)'!U17=G11,NA(),\"\")","v":""},null,null,null,"Prop Type",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U20=K8),'NonQM Program(JAM)'!U12=C3),NA(),\"\")","v":""},"Select N/A s NW Condo",null,null,null,"DSCR",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U12='Feed(WS)'!C11),'NonQM Program(JAM)'!U13='Feed(WS)'!D5,OR('NonQM Program(JAM)'!U11='Feed(WS)'!A11:A12)),NA(),\"\")","v":""},"No Ratio Nas on FICOs below 640",null,null,"FICO X Loan Amt X LTV X A+",{"$f":"IF(AND('NonQM Program(JAM)'!U11=A8,OR('NonQM Program(JAM)'!U17=G9:G11),OR('NonQM Program(JAM)'!U10=B6:B11),'NonQM Program(JAM)'!U12=C4),NA(),\"\")","v":""},"680 FICO caps over 3MM 60% LTV",null,null,{"$f":"IF(AND(OR('NonQM Program(JAM)'!$U$21='Feed(WS)'!$M$6),'NonQM Program(JAM)'!$U$20='Feed(WS)'!$K$6),NA(),\"\")","v":""},null,null,null,null,null,null," "]
["85.01-90% LTV",{"$f":"IF(AND('NonQM Program(JAM)'!U10='Feed(WS)'!B11,'NonQM Program(JAM)'!U12='Feed(WS)'!C4,OR('NonQM Program(JAM)'!U19='Feed(WS)'!L4:L6)),NA(),\"\")","v":""},"A+ / NOO - 2nd home / 85.01-90%",null,null,"Prop Type",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U20=K4),'NonQM Program(JAM)'!U12=C3,OR('NonQM Program(JAM)'!U10=B10:B11)),NA(),\"\")","v":""},"2 Units is capped at 80% LTV",null,null,null,"DSCR Select",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U12='Feed(WS)'!C8),OR('NonQM Program(JAM)'!U14='Feed(WS)'!E8)),NA(),\"\")","v":""},"Nas for Select DSCR STR",null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["C Grade >70%",{"$f":"IF(AND('NonQM Program(JAM)'!U12='Feed(WS)'!C7,OR('NonQM Program(JAM)'!U10='Feed(WS)'!B8:B11)),NA(),\"\")","v":""},"C Grade /  >70% LTV",null,null,"Prop Type",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U20=K5),'NonQM Program(JAM)'!U12=C3,OR('NonQM Program(JAM)'!U10=B9:B11)),NA(),\"\")","v":""},"3-4 Units is capped at 75% LTV",null,null,null,"DSCR State",{"$f":"IF(AND('NonQM Program(JAM)'!U13='Feed(WS)'!D5,OR('NonQM Program(JAM)'!U25='Feed(WS)'!T4),OR('NonQM Program(JAM)'!U17='Feed(WS)'!G7:G11)),NA(),\"\")","v":""},"DSCR 2MM cap for Georgia",null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["PPP >80% LTV",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U10='Feed(WS)'!B10:B11),OR('NonQM Program(JAM)'!U19='Feed(WS)'!L5:L6),OR('NonQM Program(JAM)'!U23='Feed(WS)'!H2:H6)),NA(),\"\")","v":""},"80.01-90% / NOO / 3YR PP Minimum",null,null,"Loan Term",{"$f":"IF(AND('NonQM Program(JAM)'!U12=C3,OR('NonQM Program(JAM)'!U21=M8:M13,OR('NonQM Program(JAM)'!U21=M5:M6))),NA(),\"\")","v":""},"Select N/A s 15Year, ARMS, IO, and 40 Year",null,null,null,"DSCR",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U12='Feed(WS)'!C8,'NonQM Program(JAM)'!U12='Feed(WS)'!C10:C11),'NonQM Program(JAM)'!U13='Feed(WS)'!D5,OR('NonQM Program(JAM)'!U10='Feed(WS)'!B10:B11)),NA(),\"\")","v":""},"DSCR >80%LTV needs ratio of 1.20 ",null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Grade A+ Min FICO is 660",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U11=A10:A12),'NonQM Program(JAM)'!U12=C4),NA(),\"\")","v":""},"Grade A+ Minimum FICO is 660, so under 660 is “NA”",null,null,"Select X Cash out",{"$f":"IF(AND('NonQM Program(JAM)'!U12=C3,OR('NonQM Program(JAM)'!U10=B9:B11),OR('NonQM Program(JAM)'!U18=J5:J8)),NA(),\"\")","v":""},"Cash Out caps LTV at 75%",null,null,null,"NJ PPP",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U24=H15),OR('NonQM Program(JAM)'!U23=H4:H9),OR('NonQM Program(JAM)'!U25='Feed(WS)'!T14:T14)),NA(),\"\")","v":""},"If NJ <> Vested in LLC ",null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["85.01-90% LTV 1.5mil cap",{"$f":"IF(AND('NonQM Program(JAM)'!U10=B11,OR('NonQM Program(JAM)'!U17=G6:G11)),NA(),\"\")","v":""},"90% LTV Max loan amount is 1.5MM, so >1.5 and >2 and >3 is “NA”",null,null,"Select X Loan Amount",{"$f":"IF(AND('NonQM Program(JAM)'!U12=C3,OR('NonQM Program(JAM)'!U17=G9:G11,'NonQM Program(JAM)'!U17=G3)),NA(),\"\")","v":""},"No Select over 3MM or Below <150k",null,null,null,"NJ no PPP in Corp",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U24=H16),('NonQM Program(JAM)'!U23=H3),OR('NonQM Program(JAM)'!U25='Feed(WS)'!T14:T14)),NA(),\"\")","v":""},"If NJ Corp has to have PPP",null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["80.01-85% LTV 2mil cap",{"$f":"IF(AND('NonQM Program(JAM)'!U10=B10,OR('NonQM Program(JAM)'!U17=G7:G11)),NA(),\"\")","v":""},"85% LTV Max Loan Amount is 2.0MM so >2 is “NA”",null,null,"FICO X Select",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U11=A9:A12),'NonQM Program(JAM)'!U12=C3),NA(),\"\")","v":""},"680 FICO minimum",null,null,null,"LLC PPP",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U24=H15),('NonQM Program(JAM)'!U23=H3),('NonQM Program(JAM)'!U25='Feed(WS)'!T3)),NA(),\"\")","v":""},"Need to choose NJ and in LLC to allow no PPP for max of 100",null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["70% LTV 3-4 mil cap",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U10=B8:B11),OR('NonQM Program(JAM)'!U17=G9:G11)),NA(),\"\")","v":""},"70% LTV Max so >3->4 is “NA”",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND('NonQM Program(JAM)'!U11=A8,OR('NonQM Program(JAM)'!U17=G4:G11),OR('NonQM Program(JAM)'!U10=B10:B11),'NonQM Program(JAM)'!U12=C3),NA(),\"\")","v":""},"680-699 FICO caps 1 MM at 80% LTV",null,null,null,"Corp No state",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U24=H16),('NonQM Program(JAM)'!U23=H3),('NonQM Program(JAM)'!U25='Feed(WS)'!T3)),NA(),\"\")","v":""},"If Vesting=corp, and state is ALL, and NO PPP then NA",null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Condo 80% LTV Cap",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U10=B11),OR('NonQM Program(JAM)'!U20=K7),OR('NonQM Program(JAM)'!U12=C4:C11)),NA(),\"\")","v":""},"85% Max for Condo",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND('NonQM Program(JAM)'!U11=A8,OR('NonQM Program(JAM)'!U17=G5:G11),OR('NonQM Program(JAM)'!U10=B9:B11),'NonQM Program(JAM)'!U12=C3),NA(),\"\")","v":""},"680-699 FICO caps over 1 MM at 75% LTV",null,null,null,"Vesting Blank",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U24=H14),OR('NonQM Program(JAM)'!U23=H4:H9),('NonQM Program(JAM)'!U25='Feed(WS)'!T14)),NA(),\"\")","v":""},"If Vesting is left blank, State NJ, and PPP is chosen then NA",null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["2 Unit 85% LTV Cap",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U10=B11),OR('NonQM Program(JAM)'!U20=K4)),NA(),\"\")","v":""},"85% Max for 2 Units",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND('NonQM Program(JAM)'!U11=A8,OR('NonQM Program(JAM)'!U17=G7:G11),OR('NonQM Program(JAM)'!U10=B7:B11),'NonQM Program(JAM)'!U12=C3),NA(),\"\")","v":""},"680-699 FICO caps over 2 MM at 65% LTV",null,null,null,"DSCR 5-8 Units",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U21='Feed(WS)'!D3:D4),OR('NonQM Program(JAM)'!U28='Feed(WS)'!K6,'NonQM Program(JAM)'!U28='Feed(WS)'!K6)),NA(),\"\")","v":""},"NAs Alt, Full for 5-8 Units",null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["NW Condo 75% LTV Cap",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U10=B9:B11),OR('NonQM Program(JAM)'!U20=K8)),NA(),\"\")","v":""},"75% Max for NW Condo",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND('NonQM Program(JAM)'!U11=A8,OR('NonQM Program(JAM)'!U17=G8:G11),OR('NonQM Program(JAM)'!U10=B6:B11),'NonQM Program(JAM)'!U12=C3),NA(),\"\")","v":""},"680-699 FICO caps over 2.5 MM at 60% LTV",null,null,null,"DSCR 5-8 Purchase 720 1.5MM",{"$f":"IF(AND(OR('NonQM Program(JAM)'!$U$11='Feed(WS)'!$A$3:$A$6),'NonQM Program(JAM)'!$U$20='Feed(WS)'!$K$6,OR('NonQM Program(JAM)'!$U$17=$G$3:$G$5),OR('NonQM Program(JAM)'!$U$10='Feed(WS)'!$B$9:$B$11),OR('NonQM Program(JAM)'!$U$18='Feed(WS)'!$J$3)),NA(),\"\")","v":""},"DSCR 5-8 Purchase >720 1.5MM 75 LTV",null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["3-4 Unit 80% LTV Cap",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U10=B10:B11),OR('NonQM Program(JAM)'!U20=K5)),NA(),\"\")","v":""},"80% Max for 3-4 Units",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND('NonQM Program(JAM)'!U11=A7,OR('NonQM Program(JAM)'!U17=G4:G11),OR('NonQM Program(JAM)'!U10=B11),'NonQM Program(JAM)'!U12=C3),NA(),\"\")","v":""},"700-719 FICO caps  1 MM at 85% LTV",null,null,null,"DSCR 5-8 Purchase 700 1.5MM",{"$f":"IF(AND(OR('NonQM Program(JAM)'!$U$11='Feed(WS)'!$A$7),'NonQM Program(JAM)'!$U$20='Feed(WS)'!$K$6,OR('NonQM Program(JAM)'!$U$17=$G$3:$G$5),OR('NonQM Program(JAM)'!$U$10='Feed(WS)'!$B$9:$B$11),OR('NonQM Program(JAM)'!$U$18='Feed(WS)'!$J$3)),NA(),\"\")","v":""},"DSCR 5-8 Purchase >700 1.5MM 75 LTV",null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["DSCR",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U10=B8:B11),OR('NonQM Program(JAM)'!U11=A11:A12),'NonQM Program(JAM)'!U13=D5),NA(),\"\")","v":""},"DSCR >70% LTV 620 FICO cap",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND('NonQM Program(JAM)'!U11=A7,OR('NonQM Program(JAM)'!U17=G5:G11),OR('NonQM Program(JAM)'!U10=B10:B11),'NonQM Program(JAM)'!U12=C3),NA(),\"\")","v":""},"700-719 FICO caps over 1 MM at 80% LTV",null,null,null,"DSCR 5-8 Purchase 680 1.5MM",{"$f":"IF(AND(OR('NonQM Program(JAM)'!$U$11='Feed(WS)'!$A$8),'NonQM Program(JAM)'!$U$20='Feed(WS)'!$K$6,OR('NonQM Program(JAM)'!$U$17=$G$3:$G$5),OR('NonQM Program(JAM)'!$U$10='Feed(WS)'!$B$8:$B$11),OR('NonQM Program(JAM)'!$U$18='Feed(WS)'!$J$3)),NA(),\"\")","v":""},"DSCR 5-8 Purchase >680 1.5MM 70 LTV",null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["DSCR",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U10='Feed(WS)'!B10:B11),'NonQM Program(JAM)'!U13='Feed(WS)'!D5,OR('NonQM Program(JAM)'!U20='Feed(WS)'!K5:K7)),NA(),\"\")","v":""},"DSCR >80% 3-4 Units/Condo",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND('NonQM Program(JAM)'!U11=A7,OR('NonQM Program(JAM)'!U17=G6:G11),OR('NonQM Program(JAM)'!U10=B9:B11),'NonQM Program(JAM)'!U12=C3),NA(),\"\")","v":""},"700-719 FICO caps over 1.5 MM at 75% LTV",null,null,null,"DSCR 5-8 Purchase 720 2.0MM",{"$f":"IF(AND(OR('NonQM Program(JAM)'!$U$11='Feed(WS)'!$A$3:$A$6),'NonQM Program(JAM)'!$U$20='Feed(WS)'!$K$6,OR('NonQM Program(JAM)'!$U$17=$G$6:$G$11),OR('NonQM Program(JAM)'!$U$10='Feed(WS)'!$B$8:$B$11),OR('NonQM Program(JAM)'!$U$18='Feed(WS)'!$J$3)),NA(),\"\")","v":""},"DSCR 5-8 Purchase >720 2.0MM 70 LTV",null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["DSCR",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U11='Feed(WS)'!A7:A12),'NonQM Program(JAM)'!U13='Feed(WS)'!D5,OR('NonQM Program(JAM)'!U10='Feed(WS)'!B9:B11),OR('NonQM Program(JAM)'!U18='Feed(WS)'!J5:J8)),NA(),\"\")","v":""},"DSCR 75% CAP on Cash out FICO <720",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND('NonQM Program(JAM)'!U11=A7,OR('NonQM Program(JAM)'!U17=G8:G11),OR('NonQM Program(JAM)'!U10=B7:B11),'NonQM Program(JAM)'!U12=C3),NA(),\"\")","v":""},"700-719 FICO caps over 2.5 MM at 65% LTV",null,null,null,"DSCR 5-8 Purchase 700 2.0MM",{"$f":"IF(AND(OR('NonQM Program(JAM)'!$U$11='Feed(WS)'!$A$7),'NonQM Program(JAM)'!$U$20='Feed(WS)'!$K$6,OR('NonQM Program(JAM)'!$U$17=$G$6:$G$11),OR('NonQM Program(JAM)'!$U$10='Feed(WS)'!$B$8:$B$11),OR('NonQM Program(JAM)'!$U$18='Feed(WS)'!$J$3)),NA(),\"\")","v":""},"DSCR 5-8 Purchase >700 2.0MM 70 LTV",null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["DTI >45%",{"$f":"IF(AND('NonQM Program(JAM)'!U10=B11,'NonQM Program(JAM)'!U16=F4,OR('NonQM Program(JAM)'!U12=C4:C11)),NA(),\"\")","v":""},"DTIs over 45% can't pair with LTVs 85.01-90%",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND('NonQM Program(JAM)'!U11=A6,OR('NonQM Program(JAM)'!U17=G4:G11),OR('NonQM Program(JAM)'!U10=B11),'NonQM Program(JAM)'!U12=C3),NA(),\"\")","v":""},"720-739 FICO caps caps 1.5 MM at 85% LTV",null,null,null,"DSCR 5-8 Purchase 680 2.0MM",{"$f":"IF(AND(OR('NonQM Program(JAM)'!$U$11='Feed(WS)'!$A$8),'NonQM Program(JAM)'!$U$20='Feed(WS)'!$K$6,OR('NonQM Program(JAM)'!$U$17=$G$6),OR('NonQM Program(JAM)'!$U$10='Feed(WS)'!$B$7:$B$11),OR('NonQM Program(JAM)'!$U$18='Feed(WS)'!$J$3)),NA(),\"\")","v":""},"DSCR 5-8 Purchase >680 2.0MM 65 LTV",null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["I/O over 80% LTV",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U10=B10:B11),OR('NonQM Program(JAM)'!U21=M5:M6,'NonQM Program(JAM)'!U21=M9,'NonQM Program(JAM)'!U21=M12)),NA(),\"\")","v":""},"NA for any IO over 80% LTV",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND('NonQM Program(JAM)'!U11=A6,OR('NonQM Program(JAM)'!U17=G6:G11),OR('NonQM Program(JAM)'!U10=B10:B11),'NonQM Program(JAM)'!U12=C3),NA(),\"\")","v":""},"720-739 FICO caps over 1.5 MM and 80% LTV",null,null,null,"DSCR 5-8 Cashout 720 1.5MM",{"$f":"IF(AND(OR('NonQM Program(JAM)'!$U$11='Feed(WS)'!$A$3:$A$6),'NonQM Program(JAM)'!$U$20='Feed(WS)'!$K$6,OR('NonQM Program(JAM)'!$U$17=$G$3:$G$5),OR('NonQM Program(JAM)'!$U$10='Feed(WS)'!$B$7:$B$11),OR('NonQM Program(JAM)'!$U$18='Feed(WS)'!$J$5:$J$8)),NA(),\"\")","v":""},"DSCR 5-8 Cashout >720 1.5MM 65 LTV",null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Min Rate >$2MM",{"$f":"IF('NonQM Program(JAM)'!U9=0,\"\",IF(AND(OR('NonQM Program(JAM)'!U17=G7:G11),'NonQM Program(JAM)'!U9<E150),NA(),\"\"))","v":""},"NA for rates below min rate",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND('NonQM Program(JAM)'!U11=A6,OR('NonQM Program(JAM)'!U17=G7:G11),OR('NonQM Program(JAM)'!U10=B9:B11),'NonQM Program(JAM)'!U12=C3),NA(),\"\")","v":""},"720-739 FICO caps over 2 MM and 75% LTV",null,null,null,"DSCR 5-8 Cashout 700 1.5MM",{"$f":"IF(AND(OR('NonQM Program(JAM)'!$U$11='Feed(WS)'!$A$7),'NonQM Program(JAM)'!$U$20='Feed(WS)'!$K$6,OR('NonQM Program(JAM)'!$U$17=$G$3:$G$5),OR('NonQM Program(JAM)'!$U$10='Feed(WS)'!$B$7:$B$11),OR('NonQM Program(JAM)'!$U$18='Feed(WS)'!$J$5:$J$8)),NA(),\"\")","v":""},"DSCR 5-8 Cashout >700 1.5MM 65 LTV",null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["CA NAs on No PPP NOO",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U25=T5),OR('NonQM Program(JAM)'!U23=H3),OR('NonQM Program(JAM)'!U19=L5:L6)),NA(),\"\")","v":""},null,null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U11=A3:A5),OR('NonQM Program(JAM)'!U17=G4:G11),OR('NonQM Program(JAM)'!U10=B11),'NonQM Program(JAM)'!U12=C3),NA(),\"\")","v":""},"740+ FICO caps  2 MM at 85% LTV",null,null,null,"DSCR 5-8 Cashout 680 1.5MM",{"$f":"IF(AND(OR('NonQM Program(JAM)'!$U$11='Feed(WS)'!$A$8),'NonQM Program(JAM)'!$U$20='Feed(WS)'!$K$6,OR('NonQM Program(JAM)'!$U$17=$G$3:$G$5),OR('NonQM Program(JAM)'!$U$10='Feed(WS)'!$B$6:$B$11),OR('NonQM Program(JAM)'!$U$18='Feed(WS)'!$J$5:$J$8)),NA(),\"\")","v":""},"DSCR 5-8 Cashout >680 1.5MM 60 LTV"]
["Total",{"$f":"SUM(B39:B65)+SUM(G43:G76)+SUM(M43:M78)+SUM(R43:R51)+SUM(V43:V64)+SUM(Z43:Z45)+SUM(AD43)","v":0},null,null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U11=A3:A5),OR('NonQM Program(JAM)'!U17=G8:G11),OR('NonQM Program(JAM)'!U10=B9:B11),'NonQM Program(JAM)'!U12=C3),NA(),\"\")","v":""},"740+ FICO caps  over 2.5 MM at 75% LTV",null,null,null,"DSCR 5-8 Cashout 720 2.0MM",{"$f":"IF(AND(OR('NonQM Program(JAM)'!$U$11='Feed(WS)'!$A$3:$A$6),'NonQM Program(JAM)'!$U$20='Feed(WS)'!$K$6,OR('NonQM Program(JAM)'!$U$17=$G$6),OR('NonQM Program(JAM)'!$U$10='Feed(WS)'!$B$7:$B$11),OR('NonQM Program(JAM)'!$U$18='Feed(WS)'!$J$5:$J$8)),NA(),\"\")","v":""},"DSCR 5-8 Cashout >720 2.0MM 65 LTV"]
["Occupancy",null,null,null,null,"FICO X Loan Amt X LTV X Select X Cash",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U11=A8),OR('NonQM Program(JAM)'!U17=G5:G11),OR('NonQM Program(JAM)'!U10=B8:B11),'NonQM Program(JAM)'!U12=C3,OR('NonQM Program(JAM)'!U18=J5:J8)),NA(),\"\")","v":""},"680-699 FICO caps over 1 MM at 70% LTV Cash Out",null,null,null,"DSCR 5-8 Cashout 700 2.0MM",{"$f":"IF(AND(OR('NonQM Program(JAM)'!$U$11='Feed(WS)'!$A$7),'NonQM Program(JAM)'!$U$20='Feed(WS)'!$K$6,OR('NonQM Program(JAM)'!$U$17=$G$6),OR('NonQM Program(JAM)'!$U$10='Feed(WS)'!$B$7:$B$11),OR('NonQM Program(JAM)'!$U$18='Feed(WS)'!$J$5:$J$8)),NA(),\"\")","v":""},"DSCR 5-8 Cashout >700 2.0MM 65 LTV"]
[{"$f":"IF(AND('NonQM Program(JAM)'!U18='Feed(WS)'!J3,OR('NonQM Program(JAM)'!U10='Feed(WS)'!B10:B11),'NonQM Program(JAM)'!U12='Feed(WS)'!C4),TRUE(),FALSE)","v":false},"80.01 - 90%/ A+/ Purch",null,null,null,"FICO X Loan Amt X LTV X Select X Cash",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U11=A8),OR('NonQM Program(JAM)'!U17=G7:G11),OR('NonQM Program(JAM)'!U10=B6:B11),'NonQM Program(JAM)'!U12=C3,OR('NonQM Program(JAM)'!U18=J5:J8)),NA(),\"\")","v":""},"680-699 FICO caps over 2 MM at 60% LTV Cash Out",null,null,null,"DSCR 5-8 Cashout 680 2.0MM",{"$f":"IF(AND(OR('NonQM Program(JAM)'!$U$11='Feed(WS)'!$A$8),'NonQM Program(JAM)'!$U$20='Feed(WS)'!$K$6,OR('NonQM Program(JAM)'!$U$17=$G$6),OR('NonQM Program(JAM)'!$U$10='Feed(WS)'!$B$6:$B$11),OR('NonQM Program(JAM)'!$U$18='Feed(WS)'!$J$5:$J$8)),NA(),\"\")","v":""},"DSCR 5-8 Cashout >680 2.0MM 60 LTV"]
[{"$f":"IF(AND('NonQM Program(JAM)'!U10='Feed(WS)'!B10,'NonQM Program(JAM)'!U12='Feed(WS)'!C5,OR('NonQM Program(JAM)'!U11='Feed(WS)'!A3:A6),'NonQM Program(JAM)'!U18='Feed(WS)'!J3,'NonQM Program(JAM)'!U19='Feed(WS)'!L3),TRUE,FALSE)","v":false},"80.01-85% / \"A\" Grade / 720 FICO / Purch / Primary",null,null,null,"FICO X Loan Amt X LTV X Select X Cash",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U11=A7),OR('NonQM Program(JAM)'!U17=G6:G11),OR('NonQM Program(JAM)'!U10=B8:B11),'NonQM Program(JAM)'!U12=C3,OR('NonQM Program(JAM)'!U18=J5:J8)),NA(),\"\")","v":""},"700-719 FICO caps over 1.5 MM at 70% LTV Cash Out",null,null,null,"DSCR 5-8 RateTerm 720 1.5MM",{"$f":"IF(AND(OR('NonQM Program(JAM)'!$U$11='Feed(WS)'!$A$3:$A$6),'NonQM Program(JAM)'!$U$20='Feed(WS)'!$K$6,OR('NonQM Program(JAM)'!$U$17=$G$3:$G$5),OR('NonQM Program(JAM)'!$U$10='Feed(WS)'!$B$9:$B$11),OR('NonQM Program(JAM)'!$U$18='Feed(WS)'!$J$4)),NA(),\"\")","v":""},"DSCR 5-8 RateTerm >720 1.5MM 75 LTV"]
[{"$f":"OR('NonQM Program(JAM)'!U10='Feed(WS)'!B3:B9)","v":false},"<80% LTV's",null,null,null,"FICO X Loan Amt X LTV X Select X Cash",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U11=A7),OR('NonQM Program(JAM)'!U17=G8:G11),OR('NonQM Program(JAM)'!U10=B6:B11),'NonQM Program(JAM)'!U12=C3,OR('NonQM Program(JAM)'!U18=J5:J8)),NA(),\"\")","v":""},"700-719 FICO caps over 2.5 MM at 60% LTV Cash Out",null,null,null,"DSCR 5-8 RateTerm 700 1.5MM",{"$f":"IF(AND(OR('NonQM Program(JAM)'!$U$11='Feed(WS)'!$A$7),'NonQM Program(JAM)'!$U$20='Feed(WS)'!$K$6,OR('NonQM Program(JAM)'!$U$17=$G$3:$G$5),OR('NonQM Program(JAM)'!$U$10='Feed(WS)'!$B$7:$B$11),OR('NonQM Program(JAM)'!$U$18='Feed(WS)'!$J$4)),NA(),\"\")","v":""},"DSCR 5-8 RateTerm >700 1.5MM 75 LTV"]
[{"$f":"IF(AND('NonQM Program(JAM)'!U10='Feed(WS)'!B10,'NonQM Program(JAM)'!U13='Feed(WS)'!D5,'NonQM Program(JAM)'!U12='Feed(WS)'!C10,OR('NonQM Program(JAM)'!U11=A3:A6),OR('NonQM Program(JAM)'!U18='Feed(WS)'!J3:J4)),TRUE,FALSE)","v":false},"80.01-85% / 720+/ DSCR / >=1.00 Grade / Purch & Rate/term",null,null,null,"FICO X Loan Amt X LTV X Select X Cash",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U11=A6),OR('NonQM Program(JAM)'!U17=G7:G11),OR('NonQM Program(JAM)'!U10=B8:B11),'NonQM Program(JAM)'!U12=C3,OR('NonQM Program(JAM)'!U18=J5:J8)),NA(),\"\")","v":""},"720-739 FICO caps over 2 MM at 70% LTV Cash Out",null,null,null,"DSCR 5-8 RateTerm 680 1.5MM",{"$f":"IF(AND(OR('NonQM Program(JAM)'!$U$11='Feed(WS)'!$A$8),'NonQM Program(JAM)'!$U$20='Feed(WS)'!$K$6,OR('NonQM Program(JAM)'!$U$17=$G$6:$G$11),OR('NonQM Program(JAM)'!$U$10='Feed(WS)'!$B$7:$B$11),OR('NonQM Program(JAM)'!$U$18='Feed(WS)'!$J$4)),NA(),\"\")","v":""},"DSCR 5-8 RateTerm >680 1.5MM 65 LTV"]
[{"$f":"IF(AND(OR('NonQM Program(JAM)'!U18='Feed(WS)'!J3:J8),OR('NonQM Program(JAM)'!U10='Feed(WS)'!B10:B11),'NonQM Program(JAM)'!U12='Feed(WS)'!C3),TRUE(),FALSE)","v":false},"80.01 - 90%/ Select",null,null,null,"FICO X Loan Amt X LTV X Select X Cash",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U11=A3:A5),OR('NonQM Program(JAM)'!U17=G8:G11),OR('NonQM Program(JAM)'!U10=B8:B11),'NonQM Program(JAM)'!U12=C3,OR('NonQM Program(JAM)'!U18=J5:J8)),NA(),\"\")","v":""},"740+ FICO caps over 2.5 MM at 70% LTV Cash Out",null,null,null,"DSCR 5-8 RateTerm 720 2.0MM",{"$f":"IF(AND(OR('NonQM Program(JAM)'!$U$11='Feed(WS)'!$A$3:$A$6),'NonQM Program(JAM)'!$U$20='Feed(WS)'!$K$6,OR('NonQM Program(JAM)'!$U$17=$G$6:$G$11),OR('NonQM Program(JAM)'!$U$10='Feed(WS)'!$B$8:$B$11),OR('NonQM Program(JAM)'!$U$18='Feed(WS)'!$J$4)),NA(),\"\")","v":""},"DSCR 5-8 RateTerm >720 2.0MM 70 LTV"]
[{"$f":"IF(AND('NonQM Program(JAM)'!U18='Feed(WS)'!J4,OR('NonQM Program(JAM)'!U10='Feed(WS)'!B10),'NonQM Program(JAM)'!U12='Feed(WS)'!C4),TRUE(),FALSE)","v":false},"80.01 - 85%/ A+/ Rate and term",null,null,null,"Purpose X LTV",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U10=B10:B11),'NonQM Program(JAM)'!U12=C3,OR('NonQM Program(JAM)'!U18=J4)),NA(),\"\")","v":""},"Rate/Term caps at 80% LTV",null,null,null,"DSCR 5-8 RateTerm 700 2.0MM",{"$f":"IF(AND(OR('NonQM Program(JAM)'!$U$11='Feed(WS)'!$A$7),'NonQM Program(JAM)'!$U$20='Feed(WS)'!$K$6,OR('NonQM Program(JAM)'!$U$17=$G$6:$G$11),OR('NonQM Program(JAM)'!$U$10='Feed(WS)'!$B$7:$B$11),OR('NonQM Program(JAM)'!$U$18='Feed(WS)'!$J$4)),NA(),\"\")","v":""},"DSCR 5-8 RateTerm >700 2.0MM 65 LTV"]
[{"$f":"IF(AND(OR('NonQM Program(JAM)'!U18='Feed(WS)'!J3:J4),OR('NonQM Program(JAM)'!U10='Feed(WS)'!B10),'NonQM Program(JAM)'!U13='Feed(WS)'!D5),TRUE(),FALSE)","v":false},"80.01 - 85%/ DSCR",null,null,null,"Additional Adjustments",{"$f":"IF(AND('NonQM Program(JAM)'!U12=C3,OR('NonQM Program(JAM)'!U14=E4:E6)),NA(),\"\")","v":""},"NA for Asset Utilization, 1099, and VOE",null,null,null,"DSCR 5-8 RateTerm 680 2.0MM",{"$f":"IF(AND(OR('NonQM Program(JAM)'!$U$11='Feed(WS)'!$A$8),'NonQM Program(JAM)'!$U$20='Feed(WS)'!$K$6,OR('NonQM Program(JAM)'!$U$17=$G$6),OR('NonQM Program(JAM)'!$U$10='Feed(WS)'!$B$7:$B$11),OR('NonQM Program(JAM)'!$U$18='Feed(WS)'!$J$4)),NA(),\"\")","v":""},"DSCR 5-8 RateTerm >680 2.0MM 65 LTV"]
[null,null,null,null,null,"DTI cap",{"$f":"IF(AND(OR('NonQM Program(JAM)'!U16=F4:F6),OR('NonQM Program(JAM)'!U12=C3)),NA(),\"\")","v":""},"Select caps over 45% DTI",null,null,null,"DSCR 5-8 any FICO",{"$f":"IF(AND(OR('NonQM Program(JAM)'!$U$11='Feed(WS)'!$A$3:$A$12),'NonQM Program(JAM)'!$U$20='Feed(WS)'!$K$6,OR('NonQM Program(JAM)'!$U$17=$G$7:$G$11)),NA(),\"\")","v":""},"5-8 any FICO >2.0mm NA"]
[null,null,null,null,null,"Citizenship",{"$f":"IF(AND('NonQM Program(JAM)'!U12=C3,OR('NonQM Program(JAM)'!U15=P6:P7)),NA(),\"\")","v":""},"NA for ITIN, and Foreign National",null,null,null,"DSCR 5-8 below 680",{"$f":"IF(AND(OR('NonQM Program(JAM)'!$U$11='Feed(WS)'!$A$9:$A$12),'NonQM Program(JAM)'!$U$20='Feed(WS)'!$K$6,OR('NonQM Program(JAM)'!$U$17=$G$3:$G$11)),NA(),\"\")","v":""},"5-8 below 680 NA"]
[null,null,null,null,null,null,null,null,null,null,null,"DSCR 5-8 SELECT",{"$f":"IF(AND(OR('NonQM Program(JAM)'!$U$12='Feed(WS)'!$C$8),'NonQM Program(JAM)'!$U$20='Feed(WS)'!$K$6),NA(),\"\")","v":""},"5-8 SELECT is NA"]
[null,null,null,null,null,null,null,null,null,null,null,"DSCR 5-8 I/O",{"$f":"IF(AND(OR('NonQM Program(JAM)'!$U21=$M6:$M7,'NonQM Program(JAM)'!$U21=$M8:$M10,'NonQM Program(JAM)'!$U21=$M11:$M13),'NonQM Program(JAM)'!$U$20='Feed(WS)'!$K$6),NA(),\"\")","v":""},"5-8 Only Allow 30 Yr Fixed I/O for I/O Option & No 40 Yr Options"]
[]
[null,"Base Rate / Base Price",null,null,null,null,null,null,"Base Rate / Base Price"]
[null,"Coupon","Full Doc","Alt Doc","DSCR","DSCR 5-8 Units","Total LLPA",null,"Coupon","Full Doc","Alt Doc","DSCR","DSCR 5-8 Units",0]
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[null,{"$f":"'NonQM Program(JAM)'!A12","v":5.9989999999999997},{"$f":"'NonQM Program(JAM)'!B12","v":{"$error":"#N/A"}},{"$f":"'NonQM Program(JAM)'!C12","v":{"$error":"#N/A"}},{"$f":"'NonQM Program(JAM)'!D12","v":{"$error":"#N/A"}},{"$f":"'NonQM Program(JAM)'!E12","v":0},".",2,5.9989999999999997,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},5.9989999999999997]
[null,{"$f":"'NonQM Program(JAM)'!A13","v":6.125},{"$f":"'NonQM Program(JAM)'!B13","v":98},{"$f":"'NonQM Program(JAM)'!C13","v":98},{"$f":"'NonQM Program(JAM)'!D13","v":{"$error":"#N/A"}},{"$f":"'NonQM Program(JAM)'!E13","v":0},"Total Price",3,6.125,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},6.125]
[null,{"$f":"'NonQM Program(JAM)'!A14","v":6.25},{"$f":"'NonQM Program(JAM)'!B14","v":98.5},{"$f":"'NonQM Program(JAM)'!C14","v":98.5},{"$f":"'NonQM Program(JAM)'!D14","v":98.75},{"$f":"'NonQM Program(JAM)'!E14","v":0},{"$f":"'NonQM Program(JAM)'!V36","v":{"$error":"#N/A"}},4,6.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},6.25]
[null,{"$f":"'NonQM Program(JAM)'!A15","v":6.375},{"$f":"'NonQM Program(JAM)'!B15","v":98.75},{"$f":"'NonQM Program(JAM)'!C15","v":98.75},{"$f":"'NonQM Program(JAM)'!D15","v":99.25},{"$f":"'NonQM Program(JAM)'!E15","v":0},null,5,6.375,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},6.375]
[null,{"$f":"'NonQM Program(JAM)'!A16","v":6.4989999999999997},{"$f":"'NonQM Program(JAM)'!B16","v":99.25},{"$f":"'NonQM Program(JAM)'!C16","v":99.25},{"$f":"'NonQM Program(JAM)'!D16","v":99.75},{"$f":"'NonQM Program(JAM)'!E16","v":0},null,6,6.4989999999999997,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},6.4989999999999997]
[null,{"$f":"'NonQM Program(JAM)'!A17","v":6.625},{"$f":"'NonQM Program(JAM)'!B17","v":99.5},{"$f":"'NonQM Program(JAM)'!C17","v":99.5},{"$f":"'NonQM Program(JAM)'!D17","v":100},{"$f":"'NonQM Program(JAM)'!E17","v":0},null,7,6.625,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},6.625]
[null,{"$f":"'NonQM Program(JAM)'!A18","v":6.75},{"$f":"'NonQM Program(JAM)'!B18","v":99.75},{"$f":"'NonQM Program(JAM)'!C18","v":99.75},{"$f":"'NonQM Program(JAM)'!D18","v":100.25},{"$f":"'NonQM Program(JAM)'!E18","v":0},{"$f":"'NonQM Program(JAM)'!U13","v":"Choose a Selection"},8,6.75,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},6.75]
[null,{"$f":"'NonQM Program(JAM)'!A19","v":6.875},{"$f":"'NonQM Program(JAM)'!B19","v":100},{"$f":"'NonQM Program(JAM)'!C19","v":100},{"$f":"'NonQM Program(JAM)'!D19","v":100.5},{"$f":"'NonQM Program(JAM)'!E19","v":0},{"$f":"IF('NonQM Program(JAM)'!U20=\"DSCR 5-8 Units\", \"DSCR 5-8 Units\", \"\")","v":""},9,6.875,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},6.875]
[null,{"$f":"'NonQM Program(JAM)'!A20","v":6.9989999999999997},{"$f":"'NonQM Program(JAM)'!B20","v":100.5},{"$f":"'NonQM Program(JAM)'!C20","v":100.5},{"$f":"'NonQM Program(JAM)'!D20","v":101},{"$f":"'NonQM Program(JAM)'!E20","v":0},null,10,6.9989999999999997,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},6.9989999999999997]
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[null,{"$f":"'NonQM Program(JAM)'!A22","v":7.25},{"$f":"'NonQM Program(JAM)'!B22","v":101},{"$f":"'NonQM Program(JAM)'!C22","v":101},{"$f":"'NonQM Program(JAM)'!D22","v":101.5},{"$f":"'NonQM Program(JAM)'!E22","v":0},null,12,7.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},7.25]
[null,{"$f":"'NonQM Program(JAM)'!A23","v":7.375},{"$f":"'NonQM Program(JAM)'!B23","v":101.25},{"$f":"'NonQM Program(JAM)'!C23","v":101.25},{"$f":"'NonQM Program(JAM)'!D23","v":101.75},{"$f":"'NonQM Program(JAM)'!E23","v":0},null,13,7.375,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},7.375]
[null,{"$f":"'NonQM Program(JAM)'!A24","v":7.4989999999999997},{"$f":"'NonQM Program(JAM)'!B24","v":101.5},{"$f":"'NonQM Program(JAM)'!C24","v":101.5},{"$f":"'NonQM Program(JAM)'!D24","v":102},{"$f":"'NonQM Program(JAM)'!E24","v":0},null,14,7.4989999999999997,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},7.4989999999999997]
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[null,{"$f":"'NonQM Program(JAM)'!A26","v":7.75},{"$f":"'NonQM Program(JAM)'!B26","v":102},{"$f":"'NonQM Program(JAM)'!C26","v":102},{"$f":"'NonQM Program(JAM)'!D26","v":102.5},{"$f":"'NonQM Program(JAM)'!E26","v":0},null,16,7.75,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},7.75]
[null,{"$f":"'NonQM Program(JAM)'!A27","v":7.875},{"$f":"'NonQM Program(JAM)'!B27","v":102.25},{"$f":"'NonQM Program(JAM)'!C27","v":102.25},{"$f":"'NonQM Program(JAM)'!D27","v":102.75},{"$f":"'NonQM Program(JAM)'!E27","v":0},null,17,7.875,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},7.875]
[null,{"$f":"'NonQM Program(JAM)'!A28","v":7.9989999999999997},{"$f":"'NonQM Program(JAM)'!B28","v":102.75},{"$f":"'NonQM Program(JAM)'!C28","v":102.75},{"$f":"'NonQM Program(JAM)'!D28","v":103.25},{"$f":"'NonQM Program(JAM)'!E28","v":0},null,18,7.9989999999999997,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},7.9989999999999997]
[null,{"$f":"'NonQM Program(JAM)'!A29","v":8.125},{"$f":"'NonQM Program(JAM)'!B29","v":103},{"$f":"'NonQM Program(JAM)'!C29","v":103},{"$f":"'NonQM Program(JAM)'!D29","v":103.5},{"$f":"'NonQM Program(JAM)'!E29","v":0},null,19,8.125,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},8.125]
[null,{"$f":"'NonQM Program(JAM)'!A30","v":8.25},{"$f":"'NonQM Program(JAM)'!B30","v":103.25},{"$f":"'NonQM Program(JAM)'!C30","v":103.25},{"$f":"'NonQM Program(JAM)'!D30","v":103.75},{"$f":"'NonQM Program(JAM)'!E30","v":0},null,20,8.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},8.25]
[null,{"$f":"'NonQM Program(JAM)'!A31","v":8.375},{"$f":"'NonQM Program(JAM)'!B31","v":103.5},{"$f":"'NonQM Program(JAM)'!C31","v":103.5},{"$f":"'NonQM Program(JAM)'!D31","v":104},{"$f":"'NonQM Program(JAM)'!E31","v":0},null,21,8.375,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},8.375]
[null,{"$f":"'NonQM Program(JAM)'!A32","v":8.4990000000000006},{"$f":"'NonQM Program(JAM)'!B32","v":103.75},{"$f":"'NonQM Program(JAM)'!C32","v":103.75},{"$f":"'NonQM Program(JAM)'!D32","v":104.25},{"$f":"'NonQM Program(JAM)'!E32","v":0},null,22,8.4990000000000006,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},8.4990000000000006]
[null,{"$f":"'NonQM Program(JAM)'!A33","v":8.625},{"$f":"'NonQM Program(JAM)'!B33","v":104},{"$f":"'NonQM Program(JAM)'!C33","v":104},{"$f":"'NonQM Program(JAM)'!D33","v":104.5},{"$f":"'NonQM Program(JAM)'!E33","v":0},null,23,8.625,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},8.625]
[null,{"$f":"'NonQM Program(JAM)'!A34","v":8.75},{"$f":"'NonQM Program(JAM)'!B34","v":104.25},{"$f":"'NonQM Program(JAM)'!C34","v":104.25},{"$f":"'NonQM Program(JAM)'!D34","v":104.75},{"$f":"'NonQM Program(JAM)'!E34","v":0},null,24,8.75,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},8.75]
[null,{"$f":"'NonQM Program(JAM)'!A35","v":8.875},{"$f":"'NonQM Program(JAM)'!B35","v":104.5},{"$f":"'NonQM Program(JAM)'!C35","v":104.5},{"$f":"'NonQM Program(JAM)'!D35","v":105},{"$f":"'NonQM Program(JAM)'!E35","v":0},null,25,8.875,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},8.875]
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[null,{"$f":"'NonQM Program(JAM)'!A37","v":9.125},{"$f":"'NonQM Program(JAM)'!B37","v":105.25},{"$f":"'NonQM Program(JAM)'!C37","v":105.25},{"$f":"'NonQM Program(JAM)'!D37","v":105.75},{"$f":"'NonQM Program(JAM)'!E37","v":0},null,27,9.125,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},9.125]
[null,{"$f":"'NonQM Program(JAM)'!A38","v":9.25},{"$f":"'NonQM Program(JAM)'!B38","v":105.5},{"$f":"'NonQM Program(JAM)'!C38","v":105.5},{"$f":"'NonQM Program(JAM)'!D38","v":106},{"$f":"'NonQM Program(JAM)'!E38","v":0},null,28,9.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},9.25]
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[null,{"$f":"'NonQM Program(JAM)'!A49","v":10.625},{"$f":"'NonQM Program(JAM)'!B49","v":108.25},{"$f":"'NonQM Program(JAM)'!C49","v":108.25},{"$f":"'NonQM Program(JAM)'!D49","v":108.75},{"$f":"'NonQM Program(JAM)'!E49","v":0},null,39,10.625,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},10.625]
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[null,null,null,null,null,null,null,44]
[null,null,null,null,null,null,"Adjust these ranges for when adjusting base rates ------>",null,null,{"$f":"IF(IFERROR(INDEX(OFFSET(J82:J124,0,-1),MATCH(TRUE,($J$82:$J$124)>=IF(E146>100,100,E146),0)),MAX(I82:I124))<E150,INDEX(H82:H124,MATCH(E150,I82:I124,0)),IFERROR(INDEX(OFFSET(J82:J124,0,-2),MATCH(TRUE,($J$82:$J$124)>=IF(E146>100,100,E146),0)),INDEX(OFFSET($J$82:$J$124,0,-2),MATCH(MAX($J$82:$J$124),$J$82:$J$124,0))))","v":{"$error":"#N/A"}},{"$f":"IF(IFERROR(INDEX(OFFSET(K82:K124,0,-2),MATCH(TRUE,($K$82:$K$124)>=IF(E146>100,100,E146),0)),MAX(I82:I124))<E150,INDEX(H82:H124,MATCH(E150,I82:I124,0)),IFERROR(INDEX(OFFSET(K82:K124,0,-3),MATCH(TRUE,($K$82:$K$124)>=IF(E146>100,100,E146),0)),INDEX(OFFSET($K$82:$K$124,0,-3),MATCH(MAX($K$82:$K$124),$K$82:$K$124,0))))","v":{"$error":"#N/A"}},{"$f":"IF(IFERROR(INDEX(OFFSET(L84:L124,0,-3),MATCH(TRUE,($L$84:$L$124)>=IF(E146>100,100,E146),0)),MAX(I84:I124))<E150,INDEX(H84:H124,MATCH(E150,I84:I124,0)),IFERROR(INDEX(OFFSET(L84:L124,0,-4),MATCH(TRUE,($L$84:$L$124)>=IF(E146>100,100,E146),0)),INDEX(OFFSET($L$84:$L$124,0,-4),MATCH(MAX($L$84:$L$124),$L$84:$L$124,0))))","v":{"$error":"#N/A"}},{"$f":"IF(IFERROR(INDEX(OFFSET(M82:M124,0,-4),MATCH(TRUE,($M$82:$M$124)>=IF(E146>100,100,E146),0)),MAX(I82:I124))<E150,INDEX(H82:H124,MATCH(E150,I82:I124,0)),IFERROR(INDEX(OFFSET(M82:M124,0,-5),MATCH(TRUE,($M$82:$M$124)>=IF(E146>100,100,E146),0)),INDEX(OFFSET($M$82:$M$124,0,-5),MATCH(MAX($M$82:$M$124),$M$82:$M$124,0))))","v":{"$error":"#N/A"}}]
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[null,{"$f":"'NonQM Program(JAM)'!O39","v":"Owner Occ/Sec Home"},null,{"$f":"'NonQM Program(JAM)'!Q39","v":101},{"$f":"IF(OR('NonQM Program(JAM)'!U19=L3:L4),D130,\"\")","v":""},null,null,null,null,{"$f":"IF(G89=J81,J129,0)","v":0},{"$f":"IF(G89=K81,K129,0)","v":0},{"$f":"IF('NonQM Program(JAM)'!U20='Feed(WS)'!M81,0,IF(G89=L81,L129,0))","v":0},{"$f":"IF(AND(G89=L81,'NonQM Program(JAM)'!U20='Feed(WS)'!M81),M129,0)","v":0},{"$f":"SUM(J128:M128)","v":0}]
[null,{"$f":"'NonQM Program(JAM)'!O40","v":"No PPP"},null,{"$f":"'NonQM Program(JAM)'!Q40","v":99},{"$f":"IF(AND(OR('NonQM Program(JAM)'!U19=L5:L6),'NonQM Program(JAM)'!U23=H3),D131,\"\")","v":""}]
[null,{"$f":"'NonQM Program(JAM)'!O41","v":"6 Month PPP"},null,{"$f":"'NonQM Program(JAM)'!Q41","v":99},{"$f":"IF(AND(OR('NonQM Program(JAM)'!U19=L5:L6),'NonQM Program(JAM)'!U23=H4),D132,\"\")","v":""},null,null,null,null,null,null,null,null,{"$f":"SUM(J130:M130)","v":0}]
[null,{"$f":"'NonQM Program(JAM)'!O42","v":"1YR PPP"},null,{"$f":"'NonQM Program(JAM)'!Q42","v":101},{"$f":"IF(AND(OR('NonQM Program(JAM)'!U19=L5:L6),'NonQM Program(JAM)'!U23=H5),D133,\"\")","v":""}]
[null,{"$f":"'NonQM Program(JAM)'!O43","v":"2YR PPP"},null,{"$f":"'NonQM Program(JAM)'!Q43","v":101},{"$f":"IF(AND(OR('NonQM Program(JAM)'!U19=L5:L6),'NonQM Program(JAM)'!U23=H6),D134,\"\")","v":""},null,null,null,"Near Par Rate (Borrower Paid)",null,{"$f":"IF(L134=\"\",\"\",N130)","v":0},{"$f":"IF(N132>E146,E146,N132)","v":0}]
[null,{"$f":"'NonQM Program(JAM)'!O44","v":"3YR PPP"},null,{"$f":"'NonQM Program(JAM)'!Q44","v":101},{"$f":"IF(AND(OR('NonQM Program(JAM)'!U19=L5:L6),'NonQM Program(JAM)'!U23=H7),D135,\"\")","v":""}]
[null,{"$f":"'NonQM Program(JAM)'!O45","v":"4YR PPP"},null,{"$f":"'NonQM Program(JAM)'!Q45","v":101},{"$f":"IF(AND(OR('NonQM Program(JAM)'!U19=L5:L6),'NonQM Program(JAM)'!U23=H8),D136,\"\")","v":""}]
[null,{"$f":"'NonQM Program(JAM)'!O46","v":"5YR PPP"},null,{"$f":"'NonQM Program(JAM)'!Q46","v":101},{"$f":"IF(AND(OR('NonQM Program(JAM)'!U19=L5:L6),'NonQM Program(JAM)'!U23=H9),D137,\"\")","v":""}]
[null,{"$f":"'NonQM Program(JAM)'!O47","v":">$2,500,000"},null,{"$f":"'NonQM Program(JAM)'!Q47","v":100.5},{"$f":"IF(OR('NonQM Program(JAM)'!U17=G8:G11),D138,\"\")","v":""}]
[null,{"$f":"'NonQM Program(JAM)'!O48","v":"80.01-90.00% LTV"},null,{"$f":"'NonQM Program(JAM)'!Q48","v":101},{"$f":"IF(OR('NonQM Program(JAM)'!U10=B10:B11),D139,\"\")","v":""}]
[null,{"$f":"'NonQM Program(JAM)'!O49","v":"ITIN/Foreign National"},null,{"$f":"'NonQM Program(JAM)'!Q49","v":101},{"$f":"IF(OR('NonQM Program(JAM)'!U15=P6:P7),D140,\"\")","v":""}]
[null,{"$f":"'NonQM Program(JAM)'!O50","v":"Subordinate Financing"},null,{"$f":"'NonQM Program(JAM)'!Q50","v":100},{"$f":"IF(OR('NonQM Program(JAM)'!U28=S4),D141,\"\")","v":""}]
[null,{"$f":"'NonQM Program(JAM)'!O52","v":0},null,{"$f":"'NonQM Program(JAM)'!Q52","v":0},{"$f":"IF(OR('NonQM Program(JAM)'!U20=K6),D142,\"\")","v":""}]
[null,{"$f":"'NonQM Program(JAM)'!O51","v":"NJ Title Vested In LLC"},null,{"$f":"'NonQM Program(JAM)'!Q51","v":100},{"$f":"IF(AND(('NonQM Program(JAM)'!U25=T14),OR('NonQM Program(JAM)'!U19=L5:L6),OR('NonQM Program(JAM)'!U24=H15),OR('NonQM Program(JAM)'!U23=H3)),D143,\"\")","v":""}]
[]
[null,{"$f":"'NonQM Program(JAM)'!O55","v":"NC Floor Price"},null,{"$f":"'NonQM Program(JAM)'!Q55","v":99.75},{"$f":"IF(AND('NonQM Program(JAM)'!U27=T15,OR('NonQM Program(JAM)'!U21=L5:L6),'NonQM Program(JAM)'!U25=H3),D145,\"\")","v":""}]
[null,null,null,"Final price  →",{"$f":"IF(E145<>\"\",E145,IF(E143<>\"\",E143,MIN(E130:E142)))","v":0}]
[]
[null,{"$f":"'NonQM Program(JAM)'!K42","v":"Min Rate"},null,null,"Rules"]
[null,{"$f":"'NonQM Program(JAM)'!K43","v":">$2,000,000"},null,{"$f":"'NonQM Program(JAM)'!M43","v":6.9989999999999997},{"$f":"IF(OR('NonQM Program(JAM)'!U17=G7:G11),D149,\"\")","v":""}]
[null,null,null,"Final price  →",{"$f":"MIN(E149)","v":0}]

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[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"30 Day Lock Period"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Borrower Paid Compensation*"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Effective Date:",null,"2024-10-10"]
["Non QM Program Pricing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Calculator",null,null,null,"Calculator does not verify eligibility.\nPlease use in conjunction with product matrix."]
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[5.875,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,null,"780+",null,0.75,0.625,0.5,0.25,-0.125,-0.375,-2.5,-4.75,{"$error":"#N/A"},null,"FICO Range",null,"Choose a Selection",{"$f":"IF(OR(U10='Feed(WS)'!B4:B5),INDEX(J11:J21,MATCH(U11,G11:G21,0)),(INDEX(I11:Q21,MATCH(U11,G11:G21,0),MATCH(U10,I10:Q10))))","v":{"$error":"#N/A"}},null,null,null,null,"Asset Utilization Only"]
[5.9989999999999997,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,null,"760-779",null,0.625,0.5,0.25,0.125,-0.375,-0.5,-2.75,-5,{"$error":"#N/A"},null,"Grade",null,"Choose a Selection",{"$f":"IF(U12=\"Choose a Selection\",0,(INDEX(M26:M34,MATCH(U12,K26:K34,0))))","v":0},null,null,null,null,"Asset Utilization W/ Full Doc"]
[6.125,98,98,{"$error":"#N/A"},null,null,"740-759",null,0.5,0.25,0.125,-0.125,-0.5,-0.75,-3,-5.25,{"$error":"#N/A"},null,"Doc Type",null,"Choose a Selection",null,{"$f":"'Feed(WS)'!B66","v":0},null,null,null,"VOE"]
[6.25,98.5,98.5,98.75,null,null,"720-739",null,0.25,0.125,-0.125,-0.25,-0.75,-1,-3.5,-5.75,{"$error":"#N/A"},null,"Additional Adjs",null,"Choose a Selection",{"$f":"IF(AND(OR(U10='Feed(WS)'!B10:B11),OR(U14='Feed(WS)'!E4,U14='Feed(WS)'!E6)),NA(),IF((AND((IF(U10=\"85.01-90\",1,0))=1,(IF(U13=\"DSCR\",1,0))=1))=TRUE,NA(),(IF(OR((AND(OR(U11='Feed(WS)'!$A$7:$A$12),IF(U10=\"80.01-85\",1,0),IF(U13=\"DSCR\",1,0)))=TRUE,(AND(OR(U11='Feed(WS)'!A6:A12),IF(U10=\"80.01-85\",1,0),IF(U13=\"DSCR\",1,0),OR(U18='Feed(WS)'!J5:J9))=TRUE)),NA(),IF(U14=\"Choose a Selection\",0,(IF(U14=\"None in this Dropdown\",0,IF(U14=\"12 Month Full / Alt Doc\",0,INDEX(I$27:I$65,MATCH(U14,G$27:G$65,0))))))))))","v":0}]
[6.375,98.75,98.75,99.25,null,null,"700-719",null,-0.125,-0.375,-0.5,-0.75,-1.25,-1.5,-4.25,-6.5,{"$error":"#N/A"},null,"Citizenships",null,"Choose a Selection",{"$f":"(IF(U15=\"US Citizen\",0,(IF(U15=\"Permanent Resident\",0,(IF(U15=\"Non Perm Resident\",0,(IF(U15=\"ITIN\",VLOOKUP(U15,G27:I65,3,0),(IF(U15=\"Foreign Nat' No Fico\",INDEX(I13:Q21,MATCH(U15,G13:G21,0),MATCH(U10,I10:Q10)),IF(U15=\"Foreign Nat' With Fico\",IF(U15=\"Foreign Nat' With Fico\",INDEX(G27:I65,(MATCH(U15,G27:G65,0)),3)),NA())))))))))))","v":{"$error":"#N/A"}},null,null,null,null,"Alt Doc Column Includes"]
[6.4989999999999997,99.25,99.25,99.75,null,null,"680-699",null,-0.375,-0.5,-0.75,-1.25,-1.75,-2.5,-5.25,{"$error":"#N/A"},{"$error":"#N/A"},null,"DTI",null,"Choose a Selection",{"$f":"IF(U16=\"DTI ≥50% - All Doc Types\",IF((AND(IF(U16=\"DTI ≥50% - All Doc Types\",1,0),(IF(U13=\"Full Doc\",1,0)),(IF(U18=\"Purchase\",1,0)),(IF(U19=\"Primary\",1,0)),(IF(OR(U17='Feed(WS)'!G3:G5),1,0)),(IF(OR(U10='Feed(WS)'!B3:B9),1,0)),(IF(OR(U11='Feed(WS)'!A3:A9),1,0)),(IF(U12=\"A+\",1,0)))),IF(U16=\"Choose a Selection\",0,(IF(U16=\"DTI  ≤45% - All Doc Types\",0,IF(U16=\"No DTI Program\",0,INDEX(I$27:I$65,MATCH(U16,G$27:G$65,0)))))),NA()), IF((AND(IF(U16=\"DTI ≥50% - All Doc Types\",1,0),(IF(U18<>\"Purchase\",1,0)))),NA(),IF(U16=\"Choose a Selection\",0,(IF(U16=\"DTI ≤45% - All Doc Types\",0,IF(U16=\"No DTI Program\",0,INDEX(I$27:I$65,MATCH(U16,G$27:G$65,0))))))))","v":0},null,{"$f":"W39","v":0},null,null,"12 Bank Statements"]
[6.625,99.5,99.5,100,null,null,"660-679",null,-0.75,-1,-1.5,-2,-2.75,-3.5,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Loan Balance",null,"Choose a Selection",{"$f":"IF(U17=\"Choose a Selection\",0,((IF(U17=\"$5,000,001-$7,500,000\",\"Call Lock Desk\",IF(U17=\"$7,500,001-$10,000,000\",\"Call Lock Desk\",INDEX(I$27:I$65,MATCH(U17,G$27:G$65,0)))))))","v":0},"No Ratio 0.75 - 0.99 (Review Matrix for LTV Qualification) ",null,null,null,"12 or 24 CPA P&L"]
[6.75,99.75,99.75,100.25,null,null,"640-659",null,-1.5,-1.75,-2.25,-2.75,-3.75,-4.5,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Purpose",null,"Choose a Selection",{"$f":"IF(AND(OR(U18='Feed(WS)'!J5:J9),U10=\"85.01-90\"),NA(),IF(ISERROR(IF(OR(U18=\"Purchase\",U18=\"Rate/Term Refi\"),0,INDEX(I$27:I$65,MATCH(U18,G$27:G$65,0)))),0,INDEX(I$27:I$65,MATCH(U18,G$27:G$65,0))))","v":0},null,null,null,null,"Asset Utlization W/ Bank Stmt"]
[6.875,100,100,100.5,null,null,"620-639",null,-2.25,-2.5,-3,-3.5,-4.75,-5.5,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Occupancy",null,"Choose a Selection",{"$f":"IF(OR('Feed(WS)'!A68:A74=TRUE),IF(U19=\"Choose a Selection\",0,(IF(OR(U19=\"Primary\"),0,IF(OR(U19=\"Non-Owner (Alt Doc/DSCR)\",U19=\"Full Doc - Non-Owner\"),0,INDEX(I$27:I$65,MATCH(U19,G$27:G$65,0)))))),NA())","v":{"$error":"#N/A"}}]
[6.9989999999999997,100.5,100.5,101,null,null,"600-619",null,-3,-3.25,-3.75,-4.25,-5.75,-6.5,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Property Type",null,"Choose a Selection",{"$f":"IF(AND(OR(U10='Feed(WS)'!B9:B11),OR(U20='Feed(WS)'!K8)),NA(),IF(U20=\"Choose a Selection\",0,(IF(OR(U20=\"SFR\",U20=\"1-2 Units\",U20=\"PUD\",U20=\"Condo\"),0,INDEX(I$27:I$65,MATCH(U20,G$27:G$65,0))))))","v":0}]
[7.125,100.75,100.75,101.25,null,null,"Foreign Nat' No Fico",null,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Loan Term",null,"30YR Fixed",{"$f":"IF(AND(U10='Feed(WS)'!B11,OR(U21='Feed(WS)'!M5:M6,U21='Feed(WS)'!M9,U21='Feed(WS)'!M12)),NA(),INDEX(Q26:Q36,MATCH(U21,O26:O36,0)))","v":0},null,null,null,null,"DSCR/No Ratio Column Includes"]
[7.25,101,101,101.5,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Escrow",null,"Escrow Not Waived",{"$f":"IF(U22=\"Escrow Not Waived\",0,INDEX(I$27:I$65,MATCH(U22,G$27:G$65,0)))","v":0},null,null,null,null,"DSCR"]
[7.375,101.25,101.25,101.75,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Prepayment Penalty",null,"Choose a Selection",{"$f":"IF(OR(U19=\"Primary\",U19=\"Second Home\"),0,INDEX(I$27:I$65,MATCH(U23,G$27:G$65,0)))","v":{"$error":"#N/A"}}]
[7.4989999999999997,101.5,101.5,102,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NJ - Title Vesting",null,null,0,null,null,null,null,"No Ratio"]
[7.625,101.75,101.75,102.25,null,null,"Loan Level Price Adjustments",null,null,null,"Grades",null,null,null,"Loan Term",null,null,null,"State",null,"All Other States",{"$f":"IF(U13='Feed(WS)'!D5,IFERROR(INDEX(I71:I75,MATCH(U25,G71:G75,0)),0),0)","v":0},"MINIMUM 3 YEAR PPP REQUIRED ON >80% LTVs"]
[7.75,102,102,102.5,null,null,null,null,"LLPA",null,"Select Standard",null,1,null,"15YR Fixed",null,0.25,null,"Lock Term",null,"30 Day",{"$f":"INDEX(M37:M40,MATCH(U26,K37:K40,0))","v":0}]
[7.875,102.25,102.25,102.75,null,null,"DTI >45% - All Doc Types",null,0,null,"A+",null,0.25,null,"30YR Fixed",null,0,null,"Buydown",null,"No",{"$f":"IF(OR(AND(OR(U27='Feed(WS)'!R4:R5),U18<>'Feed(WS)'!J3),AND(OR(U27='Feed(WS)'!R4:R5),U21<>'Feed(WS)'!M4)),NA(),0)","v":0}]
[7.9989999999999997,102.75,102.75,103.25,null,null,"DTI ≥50% - All Doc Types",null,-0.5,null,"A",null,-1.25,null,"30YR IO Fixed",null,-0.5,null,"Subordinate Financing",null,"No",{"$f":"IF(U28=\"Yes\",INDEX(I$27:I$65,MATCH(S28,G$27:G$65,0)),0)","v":0}]
[8.125,103,103,103.5,null,null,"ITIN",null,-1.5,null,"B",null,-1.75,null,"40YR Fixed",null,-0.5,null,{"$f":"IF(U29=\"Not Applicable\",\"\",IF('Feed(WS)'!X1=\"Yes\",'Feed(WS)'!V1,'Feed(WS)'!V2))","v":""},null,{"$f":"IF(OR('Feed(WS)'!X1=\"Yes\",'Feed(WS)'!X2=\"Yes\"),\"Yes\",\"Not Applicable\")","v":"Not Applicable"},{"$f":"IF(U29=\"Not Applicable\",0,IF(U29='Feed(WS)'!V4,VLOOKUP(S29,G$27:I$66,3,FALSE),0))","v":0}]
[8.25,103.25,103.25,103.75,null,null,"VOE Only",null,-0.25,null,"C",null,-2.25,null,"40YR IO Fixed",null,-0.75,null,{"$f":"IF('Feed(WS)'!Z3=0,\"\",INDEX('Feed(WS)'!$AA$1:$AA$3,MATCH('Feed(WS)'!Z3,'Feed(WS)'!$Z$1:$Z$3,0)))","v":""},null,{"$f":"IF(V30=0,'Feed(WS)'!Y4,'Feed(WS)'!Y5)","v":"Not Applicable"},{"$f":"'Feed(WS)'!Z3","v":0},0,null,null,null,"*** Extension Cost"]
[8.375,103.5,103.5,104,null,null,"1099 Only",null,-0.25,null,"Select - DSCR",null,1,null,"5/6 30YR ARM",null,0,null,{"$f":"IF('Feed(WS)'!Z1=0,\"\",INDEX('Feed(WS)'!$AA$1:$AA$3,MATCH('Feed(WS)'!Z1,'Feed(WS)'!$Z$1:$Z$3,0)))","v":""},null,{"$f":"IF(V31=0,'Feed(WS)'!Y4,'Feed(WS)'!Y5)","v":"Not Applicable"},{"$f":"'Feed(WS)'!Z1","v":0},"Calculator does not verify eligibility.\nPlease use in conjunction with product matrix."]
[8.4990000000000006,103.75,103.75,104.25,null,null,"Asset Utilization",null,-0.25,null,"DSCR (≥1.20)",null,0,null,"5/6 30YR IO ARM",null,-1,null,"  Total LLPA",null,null,{"$f":"SUM(V11:V31)+W13","v":{"$error":"#N/A"}},null,null,null,null,{"$f":"+K54","v":"Reset Frequency"}]
[8.625,104,104,104.5,null,null,"P&L w/ Bk Stmt",null,-0.25,null,"DSCR (≥1.00)",null,0,null,"5/6 40YR ARM",null,-0.5,null,"  Gross Rate Sheet Price (Prior to LLPAs)",null,null,{"$f":"INDEX(A10:D53,MATCH(U9,A10:A53,0),MATCH(U13,B10:D10,0)+1)","v":{"$error":"#N/A"}}]
[8.75,104.25,104.25,104.75,null,null,"DSCR STR",null,-0.5,null,"No Ratio (0.75-0.99)",null,-2,null,"7/6 30YR ARM",null,0,null,"  Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)",null,null,{"$f":"IFERROR(IF(AND(U9<>'Feed(WS)'!K134,V35=Q55),NA(),V33+V32),\"Minimum Rate\")","v":"Minimum Rate"}]
[8.875,104.5,104.5,105,null,null,"Debt Consol. >70% LTV",null,-1,null,null,null,null,null,"7/6 30YR IO ARM",null,-1,null,"  Max YSP",null,null,{"$f":"'Feed(WS)'!E146","v":0}]
[8.9990000000000006,105,105,105.5,null,null,"Debt Consol. ≤ 70% LTV",null,-0.5,null,"Lock Days",null,null,null,"7/6 40YR ARM",null,-0.5,null,"Final Price  →",null,null,{"$f":"IF(OR(V32=\"#NA\",V33=\"#NA\"),NA(),IF(AND(U9<>'Feed(WS)'!K134,V35=Q55),NA(),IF(V34>V35,V35,V34)))","v":{"$error":"#N/A"}}]
[9.125,105.25,105.25,105.75,null,null,"Cash-Out >70% LTV",null,-1,null,"15 Day",null,0,null,null,null,null,null,"Borrower Paid Comp Only\n*YSP allowed up to 101, may be paid to borrower on all Loans, or to Broker on Business Purpose Loans only"]
[9.25,105.5,105.5,106,null,null,"Cash-Out ≤ 70% LTV",null,-0.5,null,"30 Day",null,0,null,"Max Price",null,null,null,null,null,null,null,{"$f":"IF(OR(U10:U25=\"Choose a Selection\"),\"\",CONCATENATE('Feed(WS)'!I134,\" \",'Feed(WS)'!K134,\"%\"&\" @ \"&'Feed(WS)'!L134))","v":""}]
[9.375,105.75,105.75,106.25,null,null,"Cash-Out/Debt Consol. FICO < 680",null,-0.5,null,"45 Day",null,-0.25,null,"Owner Occ/Sec Home",null,101]
[9.4990000000000006,106,106,106.5,null,null,"2 Units",null,0,null,"60 Day",null,-0.5,null,"No PPP",null,99]
[9.625,106.25,106.25,106.75,null,null,"3-4 Units",null,-0.5,null,null,null,null,null,"6 Month PPP",null,99]
[9.75,106.5,106.5,107,null,null,null,null,null,null,"Min Rate",null,0,null,"1YR PPP",null,101]
[9.875,106.75,106.75,107.25,null,null,"Second Home",null,-0.75,null,">$2,000,000",null,6.9989999999999997,null,"2YR PPP",null,101,null,"Loan Number",null,null,"Borrower Name"]
[9.9990000000000006,107,107,107.5,null,null,"No PPP *See PPP Section*",null,-1.5,null,null,null,null,null,"3YR PPP",null,101]
[10.125,107.25,107.25,107.75,null,null,"6 Months PPP",null,-1.5,null,null,null,null,null,"4YR PPP",null,101]
[10.25,107.5,107.5,108,null,null,"12 Months PPP",null,-1,null,"Allowable Fees",null,null,null,"5YR PPP",null,101]
[10.375,107.75,107.75,108.25,null,null,"24 Months PPP",null,-0.5,null,"Click Here",null,null,null,">$2,500,000",null,100.5]
[10.499000000000001,108,108,108.5,null,null,"36 Months PPP",null,0,null,null,null,null,null,"80.01-90.00% LTV",null,101]
[10.625,108.25,108.25,108.75,null,null,"48 Months PPP",null,0.25,null,null,null,null,null,"ITIN/Foreign National",null,101]
[10.75,108.5,108.5,109,null,null,"60 Months PPP",null,0.5,null,"Terms","Caps","Floor",null,"Subordinate Financing",null,100]
[10.875,108.75,108.75,109.25,null,null,"Escrow Waived",null,-0.25,null,"5/6 ARM","2/1/5","Margin",null,"NJ Title Vested In LLC",null,100]
[10.999000000000001,109,109,109.5,null,null,"NW Condo",null,-1,null,"7/6 ARM","5/1/5",0]
[11.125,109.25,109.25,109.75,null,null,"<$150,000",null,-1,null,"Index","6mo SOFR",0]
[null,null,null,null,null,null,"$150,000-$1,000,000",null,0,null,"Reset Frequency",null,"6 Mo",null,"Floor Price",null,0]
[null,null,null,null,null,null,">$1,000,000",null,0.25,null,null,null,null,null,"NC Floor Price",null,99.75]
["Non QM Prelocks",null,null,null,null,null,">$1,500,000",null,0,null,"Temporary Guidance See Below\nExtension Cost\n\nAll Rates @ 2 bps / day\nExtension Cost\n\nCurrent lock extension costs/policies apply to all active locks, regardless of lock date\n\nAll 45 day locks are at a 25bp cost and are eligible for up to 15 days of extensions at cost \nAll 60 day locks are at a 50bp cost and are not eligible for Lock Extensions",null,null,null,"ARM Margins"]
["Non-QM Pre-Locks may be locked for 30 or 45 days\n30 day Non-QM Pre-Locks are eligible for up to 15 days of extensions at cost                                                                                                            All Non-QM Pre-Locks must be Submittal Completed/Submitted within 10 days or Lock will be cancelled\nAll 45 day locks are at a 25bp cost and are eligible for up to 15 days of extensions at cost \nAll 60 day locks are at a 50bp cost and are not eligible for lock extensions\nAll Non-QM locks that expire will be subject to a 25bp Relock Fee and Worse Case Pricing \n",null,null,null,null,null,">$2,000,000",null,-0.25,null,null,null,null,null,"Occupancy",null,"Margin"]
[null,null,null,null,null,null,">$2,500,000",null,-0.5,null,null,null,null,null,"Primary Home",null,4]
[null,null,null,null,null,null,">$3,000,000",null,-1,null,null,null,null,null,"Second Home",null,4]
[null,null,null,null,null,null,">$3,500,000",null,-1.5,null,null,null,null,null,"Investment Home",null,4]
[null,null,null,null,null,null,">$4,000,000",null,-1.5]
[null,null,null,null,null,null,"Foreign Nat' With Fico",null,-1.5,null,null,null,null,null,"NON-QM SPECIAL"]
[null,null,null,null,null,null,"Purchase",null,0,null,null,null,null,null,"Full/Alt-Doc Special:\n25bp Price Improvement on all Full/Alt-Doc Loans \n*N/A on SELECT\nDSCR 1-4 Unit Special:\n50 BPS on DSCR Loans with Min 3Yr PPP, Minimum 1.0 DSCR Ratio, Minimum 660 FICO, 1-4 Units\n*CAN be combined with SELECT "]
[null,null,null,null,null,null,"Subordinate Financing",null,-0.5]
[null,null,null,null,null,null,"NOO & 2nd Home >75% LTV",null,-0.5]
[null,null,null,null,null,null,"Full/Alt NOO & 2nd Home ≤75% LTV",null,-0.25]
[]
[]
[]
[null,null,null,null,null,null,"State, DSCR Only"]
[null,null,null,null,null,null,"Georgia",null,-0.25,null,null,null,null,null,"Lender Credit"]
[null,null,null,null,null,null,"Illinois",null,-0.25,null,null,null,null,null,"1% Max Lender Credit can be utilized for closing costs EXCEPT Broker Compensation\n*YSP allowed up to 101, may be paid to borrower on all Loans, or to Broker on Business Purpose Loans only\n*YSP & Lender Credit are not Applicable to DSCR 5-8 Units"]
[null,null,null,null,null,null,"Kansas",null,-0.25]
[null,null,null,null,null,null,"New Jersey",null,-0.25]
[null,null,null,null,null,null,"North Carolina",null,-0.25]

{"sheet":"Cover Page","index":2,"n_rows":45,"n_cols":18,"rows_kept":45,"cut":false,"hidden":true,"merged":[[44,1,44,21],[43,1,43,21],[36,2,36,3],[38,2,38,3],[36,5,36,6],[38,5,38,6],[36,8,36,9],[38,8,38,9],[38,17,38,19],[29,13,38,15],[29,2,29,3],[29,4,29,5],[30,6,30,8],[29,6,29,8],[30,2,30,3],[34,17,34,19],[13,13,13,20],[13,2,13,4],[14,3,14,4],[15,2,15,4],[16,2,16,4],[15,5,15,6],[16,5,16,6],[21,2,21,3],[21,4,21,5],[22,2,22,3],[22,4,22,5],[23,2,23,3],[23,4,23,5],[28,2,28,3],[28,4,28,5],[25,2,25,3],[27,2,27,3],[26,2,26,3],[26,4,26,5],[23,13,24,15],[11,1,11,21],[15,17,15,19],[24,17,24,19],[13,8,13,10],[14,8,16,10],[19,13,20,15],[17,13,18,15],[13,5,13,6],[18,17,18,20],[14,5,14,6],[20,17,20,19],[14,13,16,15],[19,2,19,9],[21,13,22,15],[24,2,24,3],[20,6,20,8],[20,2,20,3],[20,4,20,5],[36,17,36,19],[25,13,26,15],[27,13,28,15],[32,17,32,19],[30,17,30,19],[28,17,28,19],[26,17,26,19],[30,4,30,5],[21,6,21,8],[22,6,22,8],[23,6,23,8],[24,6,24,8],[28,6,28,8],[24,4,24,5],[26,6,26,8],[27,6,27,8],[25,4,25,5],[27,4,27,5],[25,6,25,8]]}
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,"19000 MacArthur Boulevard, 2nd Floor"]
[null,null,null,null,null,null,null,null,null,"Irvine, CA 92612"]
[]
[]
[]
[]
[]
[null,"LoanStream Mortgage Wholesale NANQ Rate Sheet"]
[]
[null,null,"Underwriting Fee",null,null,"Relock Fee",null,null,"Mortgagee Clause",null,null,null,null,"Contact list"]
[null,null,"NANQ",1295,null,-0.25,null,null,"OCMBC, INC. ISAOA \n19000 MacArthur Blvd, Ste. 200 Irvine, CA 92612",null,null,null,null,"Corporate \nHeadquarters:",null,null,"Phone:","800-760-1833"]
[null,null,"DOC Fee - All Loans",null,null,"Extension Fee",null,null,null,null,null,null,null,null,null,null,"Email:","Inquires@LSMortgage.com"]
[null,null,79,null,null,"0.02/Day"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"NAN-Q\n Prequals",null,null,"Phone:","Email Only"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Email:","EZQual@LSMortgage.com"]
[null,null,"Current Turn Times",null,null,null,null,null,null,null,null,null,null,"U/W Loan \nScenarios NAN-Q",null,null,"Phone:","Email Only"]
[null,null,"Stage",null,"Turn Times",null,"Department Hours",null,null,"Cutoff Time",null,null,null,null,null,null,"Email:","NANQScenario@LSMortgage.com"]
[null,null,"PreQual",null,"24-48 Hours",null,"PreQual Desk Hours: 8:00 AM-5:00 PM PST",null,null,"3:00 PM PST",null,null,null,"Submission Desk",null,null,"Phone:","Email Only"]
[null,null,"Set-up",null,"24-48 Hours",null,"Setup Desk Hours: 8:00 AM-6:00 PM PST",null,null,null,null,null,null,null,null,null,"Email:","Submissions_LS@LSMortgage.com"]
[null,null,"New Underwrite",null,"24-48 Hours",null,"Underwriting Hours: 7:00 AM-6:00 PM PST",null,null,"3:00 PM PST",null,null,null,"Lock Desk:",null,null,"Phone:","949-679-7059"]
[null,null,"Conditions Review",null,"24-48 Hours",null,"Underwriting Hours: 7:00 AM-6:00 PM PST",null,null,"3:00 PM PST",null,null,null,null,null,null,"Email:","LockDesk@LSMortgage.com"]
[null,null,"Part \"A\" QC",null,"48-72 Hours",null,"PreQual Desk Hours: 8:00 AM-5:00 PM PST",null,null,"3:30 PM PST",null,null,null,"CD Desk:",null,null,"Phone:","Email Only"]
[null,null,"Lock Desk",null,"SameDay",null,"Lock Desk Hours are: 8:30 AM - 5:00 PM PST",null,null,"5:00 PM PST",null,null,null,null,null,null,"Email:","CD@LSMortgage.com"]
[null,null,"CTC Review",null,"SameDay",null,"Underwriting Hours: 7:00 AM-6:00 PM PST",null,null,"1:00 PM PST",null,null,null,"Funding Department:",null,null,"Phone:","Email Only"]
[null,null,"CD",null,"SameDay",null,"CD Desk Hours: 7:30 AM-6:00 PM PST",null,null,"12:00 PM PST",null,null,null,null,null,null,"Email:","Funding@LSMortgage.com"]
[null,null,"DOCS",null,"SameDay",null,"DOCS Desk Hours: 7:30 AM-6:00 PM PST",null,null,"12:00 PM PST",null,null,null,"Management \nEscalations",null,null,"Name:","David Racer / Operations"]
[null,null,"Funding",null,"SameDay",null,"Funding Desk Hours: 5:30 AM-5:00 PM PST",null,null,"12:30 PM PST",null,null,null,null,null,null,"Email:","DRacer@LSMortgage.com"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Name:","Natalie Hernandez / Closing"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Email:","NHernandez@LSMortgage.com"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Name:","Nikki Allen / Underwriting"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Email:","NAllen@LSMortgage.com"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Name:","Adam Elway / Capital Markets"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Email:","AElway@LSMortgage.com"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Name:","Moe Aziz / Secondary"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Email:","MAziz@LSMortgage.com"]
[]
[]
[]
[]
[null,"RATES AND LLPAs ARE SUBJECT TO CHANGE WITHOUT NOTICE.  "]
[null,"THIS INFORMATION IS INTENDED FOR PROFESSIONAL OR BUSINESS USE ONLY.  NOT FOR CONSUMER DISTRIBUTION."]

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