Exhibit 1 - Product Commingling

Product Commingling

Commitment Base Product

Products Permitted To Be Commingled

Delivery Estimate Required1

Conforming Fixed 30 Yr

Conforming Fixed 25 Yr

No

Conforming Fixed 30 Yr High Balance

Yes

Conforming Fixed 25 Yr High Balance

Yes

FNMA DU Refi Plus 30 Yr LTV <= 80

No

FNMA DU Refi Plus 30 Yr LTV > 80 and LTV <= 105

Yes

FNMA DU Refi Plus 25 Yr LTV <= 80

No

FNMA DU Refi Plus 25 Yr LTV > 80 and LTV <= 105

Yes

FNMA DU Refi Plus 30 Yr LTV <= 80 High Bal

Yes

FNMA DU Refi Plus 30 Yr LTV > 80 and LTV <= 105 High Bal

Yes

FNMA DU Refi Plus 25 Yr LTV <= 80 High Bal

Yes

FNMA DU Refi Plus 25 Yr LTV > 80 and LTV <= 105 High Bal

Yes

FNMA Homestyle 30 Yr

No

FNMA Homestyle 25 Yr

No

FNMA Homestyle 30 Yr High Balance

Yes

FNMA Homestyle 25 Yr High Balance

Yes

Conforming Fixed 20Yr

Conforming Fixed 20 Yr High Balance

Yes

FNMA DU Refi Plus 20 Yr LTV <= 80

No

FNMA DU Refi Plus 20 Yr LTV > 80 and LTV <= 105

Yes

FNMA DU Refi Plus 20 Yr LTV <= 80 High Bal

Yes

FNMA DU Refi Plus 20 Yr LTV > 80 and LTV <= 105 High Bal

Yes

FNMA Homestyle 20 Yr

No

FNMA Homestyle 20 Yr High Bal

Yes

Conforming Fixed 15Yr

Conforming Fixed 15 Yr High Balance

Yes

FNMA DU Refi Plus 15Yr LTV <= 80

No

FNMA DU Refi Plus 15Yr LTV > 80 and LTV <= 105

Yes

FNMA DU Refi Plus 15Yr LTV <= 80 High Bal

Yes

FNMA DU Refi Plus 15Yr LTV > 80 and LTV <= 105 High Bal

Yes

FNMA Homestyle 15 Yr

No

FNMA Homestyle 15 Yr High Bal

Yes

Conforming Fixed 10Yr

Conforming Fixed 10 Yr High Balance

Yes

FNMA DU Refi Plus 10Yr LTV <= 80

No

FNMA DU Refi Plus 10Yr LTV > 80 and LTV <= 105

Yes

FNMA DU Refi Plus 10Yr LTV <= 80 High Bal

Yes

FNMA DU Refi Plus 10Yr LTV > 80 and LTV <= 105 High Bal

Yes

FNMA Homestyle 10 Yr

No

FNMA Homestyle 10 Yr High Bal

Yes

FHA Fixed 30 Yr

FHA Streamlined Fixed 30 Yr

No

FHA Streamlined Fixed 25 Yr

No

FHA Fixed 25 Yr

No

VA Fixed 25 Yr

No

VA Fixed 30 Yr

No

FHA Fixed 30 Yr High Bal

Yes

FHA Streamlined Fixed 30 Yr High Balance

Yes

FHA Streamlined Fixed 25 Yr High Balance

Yes

FHA Fixed 25 Yr High Balance

Yes

VA Fixed 25 Yr High Balance

Yes

VA Fixed 30 Yr High Balance

Yes

FHA Streamlined Fixed 20 Yr

No

FHA Fixed 20 Yr

No

VA Fixed 20 Yr

No

Rural Housing Fixed 30 Yr

No

Rural Housing Fixed 30 Yr Fixed High Balance

Yes

FHA Fixed 15 Yr

FHA Streamlined Fixed 15 Yr

No

VA Fixed 15 Yr

No

FHA Streamlined Fixed 10 Yr

No

FHA Fixed 10 Yr

No

VA Fixed 10 Yr

No

1 Client is only required to disclose the aggregate amount of high balance and DURP 80-105 in a commitment. Disclosure for each individual commingled product (as defined in the second column of Exhibit 1) is not required.