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Standard Programs

BofI Signature Series

BofI Standard 3 Year ARM (3/27)							�Max LTV	�Fees	�Pricing Adj
Program Name	Rate	Margin	Points	Floor	Ceiling	DSC	Rate Adj Freq	Pmt Adj Freq	PrePmt Penalty
3/27 LIBOR	6.530%	2.500%	1.00	6.030%	12.530%	1.20	6 Mo.	6 Mo.	3,3,3
3/27 LIBOR	6.630%	2.500%	0.50	6.130%	12.630%	1.20	6 Mo.	6 Mo.	3,3,3
3/27 LIBOR	6.730%	2.500%	0.00	6.230%	12.730%	1.20	6 Mo.	6 Mo.	3,3,3
3/27 LIBOR	7.130%	2.500%	-0.50	6.630%	13.130%	1.20	6 Mo.	6 Mo.	3,3,3
3/27 LIBOR	7.530%	2.500%	-1.00	7.030%	13.530%	1.20	6 Mo.	6 Mo.	3,3,3

BofI Standard 5 Year ARM (5/25)							�Max LTV	�Fees	�Pricing Adj
Program Name	Rate	Margin	Points	Floor	Ceiling	DSC	Rate Adj Freq	Pmt Adj Freq	PrePmt Penalty
5/25 LIBOR	6.580%	2.500%	1.00	6.080%	12.580%	1.20	6 Mo.	6 Mo.	5,4,3,2,1
5/25 LIBOR	6.680%	2.500%	0.50	6.180%	12.680%	1.20	6 Mo.	6 Mo.	5,4,3,2,1
5/25 LIBOR	6.780%	2.500%	0.00	6.280%	12.780%	1.20	6 Mo.	6 Mo.	5,4,3,2,1
5/25 LIBOR	7.066%	2.500%	-0.50	6.566%	13.066%	1.20	6 Mo.	6 Mo.	5,4,3,2,1
5/25 LIBOR	7.351%	2.500%	-1.00	6.851%	13.351%	1.20	6 Mo.	6 Mo.	5,4,3,2,1

BofI Standard 7 Year ARM (7/23)							�Max LTV	�Fees	�Pricing Adj
Program Name	Rate	Margin	Points	Floor	Ceiling	DSC	Rate Adj Freq	Pmt Adj Freq	PrePmt Penalty
7/23 LIBOR	6.720%	2.500%	1.00	6.220%	12.720%	1.20	6 Mo.	6 Mo.	5,5,4,4,3,2,1
7/23 LIBOR	6.820%	2.500%	0.50	6.320%	12.820%	1.20	6 Mo.	6 Mo.	5,5,4,4,3,2,1
7/23 LIBOR	6.920%	2.500%	0.00	6.420%	12.920%	1.20	6 Mo.	6 Mo.	5,5,4,4,3,2,1
7/23 LIBOR	7.142%	2.500%	-0.50	6.642%	13.142%	1.20	6 Mo.	6 Mo.	5,5,4,4,3,2,1
7/23 LIBOR	7.364%	2.500%	-1.00	6.864%	13.364%	1.20	6 Mo.	6 Mo.	5,5,4,4,3,2,1

BofI Standard 10 Year ARM (10/20)							�Max LTV	�Fees	�Pricing Adj
Program Name	Rate	Margin	Points	Floor	Ceiling	DSC	Rate Adj Freq	Pmt Adj Freq	PrePmt Penalty
10/20 LIBOR	7.010%	2.500%	1.00	6.510%	13.010%	1.20	6 Mo.	6 Mo.	5,5,4,4,3,3,2,2,1,1
10/20 LIBOR	7.110%	2.500%	0.50	6.610%	13.110%	1.20	6 Mo.	6 Mo.	5,5,4,4,3,3,2,2,1,1
10/20 LIBOR	7.210%	2.500%	0.00	6.710%	13.210%	1.20	6 Mo.	6 Mo.	5,5,4,4,3,3,2,2,1,1
10/20 LIBOR	7.392%	2.500%	-0.50	6.892%	13.392%	1.20	6 Mo.	6 Mo.	5,5,4,4,3,3,2,2,1,1
10/20 LIBOR	7.574%	2.500%	-1.00	7.074%	13.574%	1.20	6 Mo.	6 Mo.	5,5,4,4,3,3,2,2,1,1

To get other rates and fees, contact us, and we will do our best to structure a loan to match your unique situation.

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