Atlantic Home Loans Wholesale Division

Atlantic Home Loans specializes in manually underwriting FHA loans. If you've received a "Refer/Eligible" on your FHA loan, you've come to the right place! Please review our pricing below and give your Account Executive a call with any questions. We work hard to earn you business and we value your input. Have a question on our pricing? Give us a call! Thanks.

Wholesale Pricing

Welcome to Atlantic Home Loans' FHA wholesale pricing rate sheet. Please follow the steps below to determine your final pricing. The rates listed below are for 15 day pricing. In order to ensure correct pricing, please contact our wholesale desk at 973-830-8750. Our rates are set between 11:00 am and 12:00 pm every day. If market conditions change during the day, we do not re-price online.

Please Refresh Page to Ensure Correct Pricing*

Date: 10-07-08

INCREASE PRICING TO REFLECT BEST PRICING - DEDUCT PER #2 below

FHA Pricing Matrix

30 - Year Fixed

Streamline Refi

30 - Year Jumbo

5.500%	.000	5.500%	+.250	6.250%	-.375
5.875%	.250	5.875%	+.500	6.375%	-.125
6.000%	+1.125	6.000%	+1.375	6.500%	+.125
6.250%	+1.250	6.250%	+1.500	6.625%	+.500
6.500%	+1.875	6.500%	+2.000	6.750%	+.750

Price Adjustment(s)

1. Non-Jumbo Accept Eligible (A/E)<= 660 FICO -.50%

2. Credit score >600 <619, deduct .25% in fee

3. Credit score <600, deduct 1.00% in fee

4. Credit score (approve/eligible) >530 <= 580 , deduct 1.5% in fee

5. 30 day lock, deduct -.375% in fee

6. Approve/Eligible, Jumbo's deduct .25% in Fee

Fees:

1. Commitment Fee:	$675.00
2. Commitment Fee/Streamlines:	$275.00
3. Wire Fee:	$50.00

Loan Amount Ad-Ons

< $150,000 -------->	- .25% in fee
< $125,000 -------->	- .50% in fee
< $100,000 -------->	- .75% in fee
< $75,000 -------->	- 1.00% in fee

SRP Adjustments

Zone	States	SRP Adjustment
1	NJ, PA	No Adjustment
2	CT, VA	- .25% in fee

General:

1. Lock Desk closes at 4:40 pm

2. On manually underwritten loans, loan must be approved prior to locking.

* Price changes may happen intra-day as well as daily and, therefore, it is important that you are seeing our most recent pricing updates. Thank you.