1. Utilizing Land Home Financial Services, Inc Agency Pricing Engine
eXPRESS
Utilizing Land Home Financial Services, Inc
Agency Pricing Engine

2. Access The Wholesale Loan Portal - eXPRESS
Click Here

3. Input Username and Password
And Click Sign In

4. Click here to start Upload

5. Once “Price and Forward Lock” button is clicked
Once “Price and Forward Lock” button is clicked. Our pricing engine opens.

6. Section 1: Lien Information
Input loan amount. Tab or click to next field.
Required fields are marked with Red Dot.
250000
Some of the required fields not regularly used have zeros as defaults. All fields are editable.

7. Section 2: Loan Information
Tab thru to each field or click with mouse
Appraisal Amount will auto fill from the Price/Estimated Value. You may edit this if needed.
Loan Purpose – Select From
Purchase
Refi Cash out
Refi Rate-Term/Limited C.O.
FHA Streamline Refi
VA Rate Reduction
Input Purchase Price / Estimated Value
Fields with default are editable.
Remember fields marked with a Red Dot are required.
265000
265000
Refi C/O – Total Cash Out inputted
94.33
94.33
These fields only need to changed if there is a HELOC involved with the loan.
CLTV will auto fill. If actual CLTV different you may edit the window.
This required field will be completed for you based on earlier input.
Include Admin Fee: This will be defaulted based on your compensation agreement with LHFS.
Waive Escrows – No means that escrows will be collected. Yes means that escrows will not be collected and a charge for escrow waiver will be applied to the pricing.
This date is typically todays date if you are pricing.
You may select Yes or No at the loan level. Note: Not all loans allow Fee to be part of rate.
Select:
Lender Paid or Borrower Paid

8. Section 3: Borrower Information
If just pricing a loan. Borrower Name is not required. Will be required if a lock is requested
Fields with Red Dots are required.
For pricing input credit score and DTI
Using the TAB key will move you thru fields or click field with mouse.
740 45
Default entries are editable. These will increase the number of products that your borrower may qualify for.
Updating default entries will narrow the product search.

9. Section 4: Property Information Select Property Type Select # of Units
Tab thru to each field or click with mouse
Select Property Type
Single Family / Multi-Unit
Condo
PUD
Manufactured/Double-wide
Modular
Townhouse
Condotel
Non-Warrantable Condo
Select # of Units
1 Unit
2 Units
3 Units
4 Units
Select Occupancy
Primary Residence
Second Home
Investment Property
Fields with Red Dots are required.
Colorado
Jefferson
Select State
Where subject property located.
This will allow the counties to show properly in next window.
Select County
By selecting the proper county the correct maximum loan amount will be checked. 1
Select Total Financed Props (including subject)

10. Section 5: First Lien Search Criteria
Tab thru to each field or click with mouse
Choose the loan type that you are looking to price. You may select up to 3 selections. A minimum of 1 must be selected.
You may select Fixed and/or ARM.
Select up to 3 different loan terms. A minimum of 1 is required.
If ARM is checked. You may select up to 3 ARM Terms. A minimum of 1 must be selected
You may leave all the defaults checked. Or only select the product type and expanded guidelines you need.
MI Selection
Yes – Borrower Paid MI.
No - LPMI
Interest Only and Prepayment Penalty selections is for Non-QM expanded programs.
Select The AUS
Not Specified DU LP
Manual/Traditional

11. This will open a new window with pricing options. Save Loan Scenario:
Click: Search
This will open a new window with pricing options.
Save Loan Scenario:
(This Step Not Required)
Clicking these you will be saving your pricing scenario within the LHFS pricing engine.
**It will not be found in eXPRESS.
When you have inputted all required fields. You can…..

12. When “Search” has been clicked this window appears.
Greyed out fields are not editable. All others my be edited. Once edited click Re-Submit.
Select MI Provider by clicking on down arrow.
Complete required fields and click submit.
Click here to calculate MI.
Input subject property zip code.
Click Submit

13. Click on guideline to read
Clicking on this Link you will be able to access the product guideline

14. To View Pricing Grid and Select Rate
To select Rate click on the Price. A line will appear under the price.
Pricing grid window opens. Pricing is displayed as lender credit to borrower.
Loan Level Price Adjustments (LLPA) are located in this section
Always read the notes at the bottom of window
Click on the Eligible Product that is best for your borrower(s)

15. Forward Lock Loan
Fields with Red Dots are required
Click Request Lock
Once the price has been clicked this screen will open
Complete all required fields
Once you click request lock you will be able to exit out of the pricing engine. You will receive a Land Home Financial Services, Inc “lock Confirmation” via within 24 hours

16. QUESTIONS
Please contact your Account Executive