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# In House Lending-Supported by Wolters Kluwer Financial Services Proprietary

Product = Standard Fixed Rate Mortgage

Table 1. Products and Descriptions
Product and Index | Investor | Investor Note/Rider | Product Description | VMP BSI Reference | Available for Production User | Target Available
N/A |  |  | Single Family, 1st or 2nd Lien, Closed-end Purchase Money Mortgage | X |  |
N/A |  |  | Single Family, 1st or 2nd Lien, Closed-end Non-Purchase Money Mortgage | X |  |
N/A |  |  | Single Family, 1st Lien, Closed-end Refinance* | X |  |
N/A |  |  | Single Family, 1st Lien, Purchase Money, Construction Only Phase Mortgage | X |  |
N/A |  |  | Single Family, 1st Lien, Purchase Money, Construction/Perm Mortgage, single closing | X Single Fixed Rate Across both Phases |  |

Product = Standard Adjustable Rate Mortgage

Table 2. Products and Descriptions
Product and Index | Investor | Investor Note/Rider | Product Description | VMP BSI Reference | Available for Production User | Target Available
N/A |  |  | Single Family, 1st or 2nd Lien, Closed-end Purchase Money Mortgage | X |  |  |
N/A |  |  | Single Family, 1st Lien, Closed-end Refinance* | X |  |  |
N/A |  |  | Single Family, 1st Lien, Purchase Money, Construction/Perm Mortgage | X Const: Fixed Perm: Variable |  |  |
N/A |  |  | Single Family, 1st Lien, Purchase Money, Construction/Perm Mortgage | Phase 1 – Variable; Phase 2 – Variable - TBD |  |  |

Texas Home Equity

Table 3. Products and Descriptions
Product and Index | Investor | Investor Note/Rider | Product Description | VMP BSI Reference | Available for Production User | Target Available
N/A |  |  | Single Family, 1st Lien, Closed-end Purchase Money Mortgage | X |  |  |
N/A |  |  | Single Family, 1st Lien, Closed-end Refinance* | X |  |  |