Emet Mortgage

EMET MORTGAGE, A CALIFORNIA CORPORATION ISAOA/ATIMA 2601 SATURN ST. SUITE 200 BREA, CA 92821

EMET MORTGAGE, A CALIFORNIA CORPORATION ISAOA/ATIMA 2601 SATURN ST. SUITE 200 BREA, CA 92821

All rate lock extensions require a written request via email to the Lock Desk at lock@emetmortgage.com. The subject line of the email
must contain the borrower name, loan number, and Rate Lock Extension Request. Conforming and FHA locks may be extended up to 3
times/30 days at a cost of 3 bps per day, while Non-Agency Jumbo and Non-QM locks may be extended up to 2 times/30 days in
increments of 5 days (0.125%/5 days). The extensions cannot be greater than 30 days combined. Additional extensions may be granted on
a case-by-case basis depending on market conditions. If an extension request is received and the extended loan will expire on a weekend
or holiday, the Lock Desk will require the appropriate additional days at cost. Lock extension fees are cumulative.


Conforming and FHA locks may be extended up to 3 times/30 days at a cost of 3 bps per day. If an extension request is received and the
extended loan will expire on a weekend or holiday, the Lock Desk will require the appropriate additional days at cost.
EXTENSIONS FOR NON-AGENCY JUMBO AND NON-QM: 5 days: 0.125% / 10 days: 0.250% / 15 days: 0.375% (up to 2 times/30 days). Lock
extension fees are cumulative.

All expired locks require a written re-lock request via email to the Lock Desk at lock@emetmortgage.com. The subject line of the email
must contain the borrower name, loan number, and Expired Rate Lock Request. Locks expiring on a Saturday, Sunday, or a holiday will be
rolled the next business day. The loan that is expired or cancelled less than 30 days, priced at current market or original lock price,
whichever is worse-case pricing plus 25 basis points. The term for a re-lock is 15 days. If the lock expiration date is greater than 30 days/45
days(non-qm), then the loan may be relocked at current market pricing. No relock fee will apply and all previous extension costs and
concessions will be cleared out.