FHA Fixed-Rate Mortgages

For the following examples, the interest rate and annual percentage rate were calculated using a sample loan of $400,000 based on the loan term indicated and a loan-to-value ratio of 96.5%. This assumes the purchase of an owner-occupied, one-unit, single family residence in California and that the applicant has a FICO score of 700 or above.

30-Year FHA Fixed-Rate Mortgage

The 30-Year FHA Fixed Mortgage provides for fixed, fully amortizing principal and interest payments for the life of the loan. Based on a sample rate of -- (APR --) with -- points, which are included in the closing costs of -- (not including additional third-party settlement charges), the monthly payment would be --. Rates and points are as of -- and are subject to change without notice.

Conforming Fixed-Rate Mortgages

For the following examples, the interest rate and annual percentage rate were calculated using a sample loan of $453,100 based on the loan term indicated and a loan-to-value ratio of 75%. This assumes the purchase of an owner-occupied, one-unit, single family residence in California and that the applicant has a FICO score of 740 or above.

30-Year Fixed-Rate Mortgage

The 30-Year Fixed Mortgage provides for fixed, fully amortizing principal and interest payments for the life of the loan. Based on a sample rate of -- (APR --) with -- points, which are included in the closing costs of -- (not including additional third-party settlement charges), the monthly payment would be --. Rates and points are as of -- and are subject to change without notice.

Jumbo Fixed-Rate Mortgages

For the following examples, the interest rates and annual percentage rates were calculated using a sample loan of $2,000,000 and a loan-to-value ratio of 75%. This assumes the purchase of an owner-occupied, one-unit, single family residence in California and that the applicant has a FICO score of 720 or above. The rate and payment calculated assume an escrow account upon closing for the payment of property taxes and insurance premiums. If you choose not to open an escrow account, your rate and payment will be higher.

30 Year Fixed-Rate Mortgage

The 30-Year Fixed Mortgage provides for fixed, fully amortizing principal and interest payments for the life of the loan. Based on a sample rate of -- with -- points and closing costs of -- (not including additional third-party settlement charges), a loan of $2,000,000 would have an APR of -- and a monthly payment of --. Rates and points are as of -- and are subject to change without notice.

Jumbo Adjustable-Rate Mortgage Loans

5-Year Adjustable-Rate Mortgage

Fully Amortizing and Interest-Only Adjustable-Rate Mortgages

OneWest offers adjustable-rate mortgages with 30 year loan terms and initial fixed-rate periods of 5, 7 or 10 years. Any of these loan types can be fully amortizing with monthly payments of principal and interest which will fully repay the loan by its maturity date, or they can have monthly payments of interest-only which will not repay any principal during the interest-only period of 120 months (10 years), after which the loan has fully amortizing principal and interest payments for the remaining 20 years of the term. For all of these products, after the initial fixed-rate period the interest rate and monthly payments are subject to change annually based on changes to the Index.

The examples shown below were calculated using the 1 Year LIBOR index (the average of the Interbank offered rates for one-year, U.S. dollar-denominated deposits in the London market as published in the Wall Street Journal) rate of , a margin of , and assumes that the 1 Year LIBOR index remains unchanged for the life of the loan. Rates, points and LIBOR index are as of and are subject to change without notice.

Jumbo Adjustable-Rate Mortgage Loans

5-Year Adjustable-Rate Mortgage

Fully Amortizing and Interest-Only Adjustable-Rate Mortgages

OneWest offers adjustable-rate mortgages with 30 year loan terms and initial fixed-rate periods of 5, 7 or 10 years. Any of these loan types can be fully amortizing with monthly payments of principal and interest which will fully repay the loan by its maturity date, or they can have monthly payments of interest-only which will not repay any principal during the interest-only period of 120 months (10 years), after which the loan has fully amortizing principal and interest payments for the remaining 20 years of the term. For all of these products, after the initial fixed-rate period the interest rate and monthly payments are subject to change annually based on changes to the Index.

The examples shown below were calculated using the 1 Year LIBOR index (the average of the Interbank offered rates for one-year, U.S. dollar-denominated deposits in the London market as published in the Wall Street Journal) rate of --, a margin of --, and assumes that the 1 Year LIBOR index remains unchanged for the life of the loan. Rates, points and LIBOR index are as of -- and are subject to change without notice.