bill3kradio
New Member
- Joined
- Jul 22, 2008
- Messages
- 5
Here's my problem:
I have a grid to determine interest rates. The are add ons to the rate that are dependent on two factors - the credit score and the Loan to Value percent or LTV, both of which are shown in terms of ranges (720-739, etc). See the screen shot below.
I have already written formulas for converting the score and LTV to the ranges as they appear on the sheet (ie, if you type in a score of 722, the formula converts it to the range of 720-739.
What I need to do is this - when the score and LTV are input and determine which set of add ons come into play, I need the sheet to take those add-ons, identified by an x next to it at the top of the page, and add them to the base interest rate, giving me the final rate. Again, see below to make this more clear.
I've thought of using VLookup, but I don' think that would be applicable here.
What's the best method, and can you give me an example of what a formula might look like?
Thanks,
Bill
<table x:str="" style="border-collapse: collapse; width: 534pt;" border="0" cellpadding="0" cellspacing="0" width="714"><col style="width: 78pt;" width="104"> <col style="width: 56pt;" width="75"> <col style="width: 64pt;" width="85"> <col style="width: 56pt;" span="6" width="75"> <tbody><tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt; width: 78pt;" height="17" width="104">
</td> <td colspan="3" style="width: 176pt;" width="235">Loan Level Pricing Adjustments</td> <td class="xl29" style="width: 56pt;" width="75">
</td> <td class="xl29" style="width: 56pt;" width="75">
</td> <td class="xl29" style="width: 56pt;" width="75">
</td> <td class="xl29" style="width: 56pt;" width="75">
</td> <td class="xl29" style="width: 56pt;" width="75">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>Base Rate</td> <td class="xl29" x:num="">6.25</td> <td class="xl29" x:num="" x:fmla="=C4">6.25</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>Credit Score</td> <td class="xl35" x:num="">741</td> <td class="xl29" x:fmla="=IF(C5<621,"<620",IF(C5<640,"620-639",IF(C5<660,"640-659",IF(C5<680,"660-679",IF(C5<700,"680-699",IF(C5<720,"700-719",IF(C5<740,"720-739",IF(C5>739.99,">740","0"))))))))">>740</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>LTV</td> <td class="xl29" x:num="">60</td> <td class="xl29" x:fmla="=IF(C6<60.01,"<60.00",IF(C6<70.01,"60.01-70.00",IF(C6<75.01,"70.01-75.00",IF(C6<80.01,"75.01-80.00",IF(C6<85.01,"80.01-85.00",IF(C6<90.01,"85.01-90.00",IF(C6<95.01,"90.01-95.00",IF(C6>95,"Check LTV","0"))))))))"><=60.00</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td class="xl36" style="height: 12.75pt;" height="17">Add-ons</td> <td>
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>All</td> <td class="xl29">x</td> <td class="xl29" x:num="">-0.25</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>Cash Out</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>Invest</td> <td class="xl29">x</td> <td class="xl29" x:num="">1.5</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>2 unit</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>3-4 unit</td> <td class="xl29">x</td> <td class="xl29" x:num="">1</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>Final Rate</td> <td class="xl29">
</td> <td class="xl29" x:num="" x:fmla="=C4+D9+D10+D12+D11+D13">8.5</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td class="xl30" style="height: 12.75pt;" height="17">
</td> <td class="xl30" style="border-left: medium none;">
</td> <td colspan="7" class="xl24" style="border-left: medium none;">LTV RATIOS</td> </tr> <tr style="height: 12.75pt;" height="17"> <td class="xl28" style="height: 12.75pt;" height="17">CREDIT SCORE</td> <td class="xl28" style="border-left: medium none;">Add-ons</td> <td class="xl33" style="border-top: medium none; border-left: medium none;"><=60.00</td> <td class="xl33" style="border-top: medium none;">60.01-70.00</td> <td class="xl33" style="border-top: medium none;">70.01-75.00</td> <td class="xl33" style="border-top: medium none;">75.01-80.00</td> <td class="xl33" style="border-top: medium none;">80.01-85.00</td> <td class="xl33" style="border-top: medium none;">85.01-90.00</td> <td class="xl24" style="border-top: medium none;">90.01-95.00</td> </tr> <tr style="height: 12.75pt;" height="17"> <td class="xl27" style="height: 12.75pt;" height="17">>740</td> <td class="xl26" style="border-top: medium none; border-left: medium none;">all</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">-0.25</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0</td> </tr> <tr style="height: 12.75pt;" height="17"> <td class="xl27" style="height: 12.75pt;" height="17">>740</td> <td class="xl26" style="border-top: medium none; border-left: medium none;">Cash Out</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.25</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="0.375">0.375</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="0.375">0.375</td> <td class="xl34" style="border-top: medium none; border-left: medium none;">n/a</td> </tr> <tr style="height: 12.75pt;" height="17"> <td class="xl27" style="height: 12.75pt;" height="17">>740</td> <td class="xl26" style="border-top: medium none; border-left: medium none;">Investment</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">1.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">1.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">1.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">2</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">2.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">2.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;">n/a</td> </tr> <tr style="height: 12.75pt;" height="17"> <td class="xl27" style="height: 12.75pt;" height="17">>740</td> <td class="xl26" style="border-top: medium none; border-left: medium none;">2-unit</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> </tr> <tr style="height: 12.75pt;" height="17"> <td class="xl27" style="height: 12.75pt;" height="17">>740</td> <td class="xl26" style="border-top: medium none; border-left: medium none;">3-4 unit</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">1</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">1</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">1</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">1</td> <td class="xl34" style="border-top: medium none; border-left: medium none;">n/a</td> <td class="xl34" style="border-top: medium none; border-left: medium none;">n/a</td> <td class="xl34" style="border-top: medium none; border-left: medium none;">n/a</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td class="xl31" style="border-top: medium none;">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td class="xl32" style="height: 12.75pt;" height="17">
</td> <td class="xl32" style="border-top: medium none; border-left: medium none;">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td class="xl25" style="border-top: medium none; height: 12.75pt;" height="17">720-739</td> <td class="xl26" style="border-top: medium none; border-left: medium none;">all</td> <td class="xl34" style="border-left: medium none;" x:num="">-0.25</td> <td class="xl34" style="border-left: medium none;" x:num="">0</td> <td class="xl34" style="border-left: medium none;" x:num="">0</td> <td class="xl34" style="border-left: medium none;" x:num="">0</td> <td class="xl34" style="border-left: medium none;" x:num="">0</td> <td class="xl34" style="border-left: medium none;" x:num="">0</td> <td class="xl34" style="border-left: medium none;" x:num="">0</td> </tr> <tr style="height: 12.75pt;" height="17"> <td class="xl25" style="border-top: medium none; height: 12.75pt;" height="17">720-739</td> <td class="xl26" style="border-top: medium none; border-left: medium none;">Cash Out</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="0.125">0.125</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="0.125">0.125</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="0.375">0.375</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;">n/a</td> </tr> <tr style="height: 12.75pt;" height="17"> <td class="xl25" style="border-top: medium none; height: 12.75pt;" height="17">720-739</td> <td class="xl26" style="border-top: medium none; border-left: medium none;">Investment</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">1.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">1.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">1.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">2</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">2.25</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">2.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;">n/a</td> </tr> <tr style="height: 12.75pt;" height="17"> <td class="xl25" style="border-top: medium none; height: 12.75pt;" height="17">720-739</td> <td class="xl26" style="border-top: medium none; border-left: medium none;">2-unit</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> </tr> <tr style="height: 12.75pt;" height="17"> <td class="xl25" style="border-top: medium none; height: 12.75pt;" height="17">720-739</td> <td class="xl26" style="border-top: medium none; border-left: medium none;">3-4 unit</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">1</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">1</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">1</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">1</td> <td class="xl34" style="border-top: medium none; border-left: medium none;">n/a</td> <td class="xl34" style="border-top: medium none; border-left: medium none;">n/a</td> <td class="xl34" style="border-top: medium none; border-left: medium none;">n/a</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td class="xl31" style="border-top: medium none;">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> </tbody></table>
-
I have a grid to determine interest rates. The are add ons to the rate that are dependent on two factors - the credit score and the Loan to Value percent or LTV, both of which are shown in terms of ranges (720-739, etc). See the screen shot below.
I have already written formulas for converting the score and LTV to the ranges as they appear on the sheet (ie, if you type in a score of 722, the formula converts it to the range of 720-739.
What I need to do is this - when the score and LTV are input and determine which set of add ons come into play, I need the sheet to take those add-ons, identified by an x next to it at the top of the page, and add them to the base interest rate, giving me the final rate. Again, see below to make this more clear.
I've thought of using VLookup, but I don' think that would be applicable here.
What's the best method, and can you give me an example of what a formula might look like?
Thanks,
Bill
<table x:str="" style="border-collapse: collapse; width: 534pt;" border="0" cellpadding="0" cellspacing="0" width="714"><col style="width: 78pt;" width="104"> <col style="width: 56pt;" width="75"> <col style="width: 64pt;" width="85"> <col style="width: 56pt;" span="6" width="75"> <tbody><tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt; width: 78pt;" height="17" width="104">
</td> <td colspan="3" style="width: 176pt;" width="235">Loan Level Pricing Adjustments</td> <td class="xl29" style="width: 56pt;" width="75">
</td> <td class="xl29" style="width: 56pt;" width="75">
</td> <td class="xl29" style="width: 56pt;" width="75">
</td> <td class="xl29" style="width: 56pt;" width="75">
</td> <td class="xl29" style="width: 56pt;" width="75">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>Base Rate</td> <td class="xl29" x:num="">6.25</td> <td class="xl29" x:num="" x:fmla="=C4">6.25</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>Credit Score</td> <td class="xl35" x:num="">741</td> <td class="xl29" x:fmla="=IF(C5<621,"<620",IF(C5<640,"620-639",IF(C5<660,"640-659",IF(C5<680,"660-679",IF(C5<700,"680-699",IF(C5<720,"700-719",IF(C5<740,"720-739",IF(C5>739.99,">740","0"))))))))">>740</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>LTV</td> <td class="xl29" x:num="">60</td> <td class="xl29" x:fmla="=IF(C6<60.01,"<60.00",IF(C6<70.01,"60.01-70.00",IF(C6<75.01,"70.01-75.00",IF(C6<80.01,"75.01-80.00",IF(C6<85.01,"80.01-85.00",IF(C6<90.01,"85.01-90.00",IF(C6<95.01,"90.01-95.00",IF(C6>95,"Check LTV","0"))))))))"><=60.00</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td class="xl36" style="height: 12.75pt;" height="17">Add-ons</td> <td>
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>All</td> <td class="xl29">x</td> <td class="xl29" x:num="">-0.25</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>Cash Out</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>Invest</td> <td class="xl29">x</td> <td class="xl29" x:num="">1.5</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>2 unit</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>3-4 unit</td> <td class="xl29">x</td> <td class="xl29" x:num="">1</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>Final Rate</td> <td class="xl29">
</td> <td class="xl29" x:num="" x:fmla="=C4+D9+D10+D12+D11+D13">8.5</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td>
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td class="xl30" style="height: 12.75pt;" height="17">
</td> <td class="xl30" style="border-left: medium none;">
</td> <td colspan="7" class="xl24" style="border-left: medium none;">LTV RATIOS</td> </tr> <tr style="height: 12.75pt;" height="17"> <td class="xl28" style="height: 12.75pt;" height="17">CREDIT SCORE</td> <td class="xl28" style="border-left: medium none;">Add-ons</td> <td class="xl33" style="border-top: medium none; border-left: medium none;"><=60.00</td> <td class="xl33" style="border-top: medium none;">60.01-70.00</td> <td class="xl33" style="border-top: medium none;">70.01-75.00</td> <td class="xl33" style="border-top: medium none;">75.01-80.00</td> <td class="xl33" style="border-top: medium none;">80.01-85.00</td> <td class="xl33" style="border-top: medium none;">85.01-90.00</td> <td class="xl24" style="border-top: medium none;">90.01-95.00</td> </tr> <tr style="height: 12.75pt;" height="17"> <td class="xl27" style="height: 12.75pt;" height="17">>740</td> <td class="xl26" style="border-top: medium none; border-left: medium none;">all</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">-0.25</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0</td> </tr> <tr style="height: 12.75pt;" height="17"> <td class="xl27" style="height: 12.75pt;" height="17">>740</td> <td class="xl26" style="border-top: medium none; border-left: medium none;">Cash Out</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.25</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="0.375">0.375</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="0.375">0.375</td> <td class="xl34" style="border-top: medium none; border-left: medium none;">n/a</td> </tr> <tr style="height: 12.75pt;" height="17"> <td class="xl27" style="height: 12.75pt;" height="17">>740</td> <td class="xl26" style="border-top: medium none; border-left: medium none;">Investment</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">1.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">1.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">1.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">2</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">2.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">2.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;">n/a</td> </tr> <tr style="height: 12.75pt;" height="17"> <td class="xl27" style="height: 12.75pt;" height="17">>740</td> <td class="xl26" style="border-top: medium none; border-left: medium none;">2-unit</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> </tr> <tr style="height: 12.75pt;" height="17"> <td class="xl27" style="height: 12.75pt;" height="17">>740</td> <td class="xl26" style="border-top: medium none; border-left: medium none;">3-4 unit</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">1</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">1</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">1</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">1</td> <td class="xl34" style="border-top: medium none; border-left: medium none;">n/a</td> <td class="xl34" style="border-top: medium none; border-left: medium none;">n/a</td> <td class="xl34" style="border-top: medium none; border-left: medium none;">n/a</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td class="xl31" style="border-top: medium none;">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td class="xl32" style="height: 12.75pt;" height="17">
</td> <td class="xl32" style="border-top: medium none; border-left: medium none;">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> <tr style="height: 12.75pt;" height="17"> <td class="xl25" style="border-top: medium none; height: 12.75pt;" height="17">720-739</td> <td class="xl26" style="border-top: medium none; border-left: medium none;">all</td> <td class="xl34" style="border-left: medium none;" x:num="">-0.25</td> <td class="xl34" style="border-left: medium none;" x:num="">0</td> <td class="xl34" style="border-left: medium none;" x:num="">0</td> <td class="xl34" style="border-left: medium none;" x:num="">0</td> <td class="xl34" style="border-left: medium none;" x:num="">0</td> <td class="xl34" style="border-left: medium none;" x:num="">0</td> <td class="xl34" style="border-left: medium none;" x:num="">0</td> </tr> <tr style="height: 12.75pt;" height="17"> <td class="xl25" style="border-top: medium none; height: 12.75pt;" height="17">720-739</td> <td class="xl26" style="border-top: medium none; border-left: medium none;">Cash Out</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="0.125">0.125</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="0.125">0.125</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="0.375">0.375</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;">n/a</td> </tr> <tr style="height: 12.75pt;" height="17"> <td class="xl25" style="border-top: medium none; height: 12.75pt;" height="17">720-739</td> <td class="xl26" style="border-top: medium none; border-left: medium none;">Investment</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">1.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">1.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">1.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">2</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">2.25</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">2.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;">n/a</td> </tr> <tr style="height: 12.75pt;" height="17"> <td class="xl25" style="border-top: medium none; height: 12.75pt;" height="17">720-739</td> <td class="xl26" style="border-top: medium none; border-left: medium none;">2-unit</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">0.5</td> </tr> <tr style="height: 12.75pt;" height="17"> <td class="xl25" style="border-top: medium none; height: 12.75pt;" height="17">720-739</td> <td class="xl26" style="border-top: medium none; border-left: medium none;">3-4 unit</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">1</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">1</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">1</td> <td class="xl34" style="border-top: medium none; border-left: medium none;" x:num="">1</td> <td class="xl34" style="border-top: medium none; border-left: medium none;">n/a</td> <td class="xl34" style="border-top: medium none; border-left: medium none;">n/a</td> <td class="xl34" style="border-top: medium none; border-left: medium none;">n/a</td> </tr> <tr style="height: 12.75pt;" height="17"> <td style="height: 12.75pt;" height="17">
</td> <td class="xl31" style="border-top: medium none;">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> <td class="xl29">
</td> </tr> </tbody></table>
-