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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	6.730%	2.500%	1.00	6.230%	12.730%	1.20	6 Mo.	6 Mo.	3,3,3
3/27 LIBOR	6.830%	2.500%	0.50	6.330%	12.830%	1.20	6 Mo.	6 Mo.	3,3,3
3/27 LIBOR	6.930%	2.500%	0.00	6.430%	12.930%	1.20	6 Mo.	6 Mo.	3,3,3
3/27 LIBOR	7.330%	2.500%	-0.50	6.830%	13.330%	1.20	6 Mo.	6 Mo.	3,3,3
3/27 LIBOR	7.730%	2.500%	-1.00	7.230%	13.730%	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	6.780%	2.500%	1.00	6.280%	12.780%	1.20	6 Mo.	6 Mo.	5,4,3,2,1
5/25 LIBOR	6.880%	2.500%	0.50	6.380%	12.880%	1.20	6 Mo.	6 Mo.	5,4,3,2,1
5/25 LIBOR	6.980%	2.500%	0.00	6.480%	12.980%	1.20	6 Mo.	6 Mo.	5,4,3,2,1
5/25 LIBOR	7.266%	2.500%	-0.50	6.766%	13.266%	1.20	6 Mo.	6 Mo.	5,4,3,2,1
5/25 LIBOR	7.551%	2.500%	-1.00	7.051%	13.551%	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	6.870%	2.500%	1.00	6.370%	12.870%	1.20	6 Mo.	6 Mo.	5,5,4,4,3,2,1
7/23 LIBOR	6.970%	2.500%	0.50	6.470%	12.970%	1.20	6 Mo.	6 Mo.	5,5,4,4,3,2,1
7/23 LIBOR	7.070%	2.500%	0.00	6.570%	13.070%	1.20	6 Mo.	6 Mo.	5,5,4,4,3,2,1
7/23 LIBOR	7.292%	2.500%	-0.50	6.792%	13.292%	1.20	6 Mo.	6 Mo.	5,5,4,4,3,2,1
7/23 LIBOR	7.514%	2.500%	-1.00	7.014%	13.514%	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	7.180%	2.500%	1.00	6.680%	13.180%	1.20	6 Mo.	6 Mo.	5,5,4,4,3,3,2,2,1,1
10/20 LIBOR	7.280%	2.500%	0.50	6.780%	13.280%	1.20	6 Mo.	6 Mo.	5,5,4,4,3,3,2,2,1,1
10/20 LIBOR	7.380%	2.500%	0.00	6.880%	13.380%	1.20	6 Mo.	6 Mo.	5,5,4,4,3,3,2,2,1,1
10/20 LIBOR	7.562%	2.500%	-0.50	7.062%	13.562%	1.20	6 Mo.	6 Mo.	5,5,4,4,3,3,2,2,1,1
10/20 LIBOR	7.744%	2.500%	-1.00	7.244%	13.744%	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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