GMAC RFC
$575,000,000 (APPROXIMATE)
RFMS II Series 2000-HI5 Trust
Home Loan-Backed Notes
Residential Funding Mortgage Securities II, Inc.
Depositor
Residential Funding Corporation
Seller and Master Servicer
The following is a revised preliminary Term Sheet. All terms and statements are
subject to further change.
RESIDENTIAL FUNDING SECURITIES
A GMAC COMPANY
as Underwriter
December 5, 2000
________________________________________________________________________________
This Information was prepared by Bear Stearns & Co. Inc. in its capacity as lead
underwriter. This information should be considered only after reading the
Statement Regarding Assumptions as to Securities, Pricing Estimates and Other
Information, which should be attached. Do not use or rely on this information if
you have not received and reviewed this Statement. You may obtain a copy of the
Statement from your sales representative.
Worldwide Capital Partner
<PAGE>
<TABLE>
<CAPTION>
Computational Materials: Information Relating to the Collateral (Page 1 of 11)
----------------------------------------------------------------------------------------------
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY
THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE
PROSPECTUS SUPPLEMENT.
----------------------------------------------------------------------------------------------
-----------------------------------------------------------------------------------
Home Loan Group I II
-----------------------------------------------------------------------------------
<S> <C> <C>
Current Balance (as of $526,291,555 $22,148,064
11/28/00)
Loan Count 13,975 380
Average Balance $37,660 $58,284
Maximum Balance $100,000 $100,000
-----------------------------------------------------------------------------------
WA Gross WAC 13.961% 13.452%
Range of Gross Coupons 8.250% to 18.750% 9.125% to 17.490%
WA Net WAC (%) 13.381% 12.872%
WA Remaining Term (mos) 234 255
WA Age (mos) 2 2
WA Orig. Term (mos) 236 257
-----------------------------------------------------------------------------------
Balloon / Fully Amortizing 0.28% / 99.72% 2.08% / 97.92%
First Lien / Second Lien 0.03% / 99.97% 0.00% / 100.00%
-----------------------------------------------------------------------------------
WA Credit Score 696 706
Up to 639 0.01% 0.00%
640 to 679 29.80% 15.81%
680 to 719 50.13% 57.03%
720 to 759 17.85% 23.64%
760 to 799 2.18% 3.52%
800 or greater 0.01% 0.00%
-----------------------------------------------------------------------------------
WA Debt-to-Income Ratio 40.24% 42.12%
Range of Debt-to-Income 12.00% to 50.00% 20.00% to 50.00%
Ratios
WA CLTV 116.20% 113.23%
% CLTVs > 100.00% 93.53% 91.95%
Range of CLTVs 13.00% to 126.00% 12.00% to 125.00%
% of Pool with Prepay 52.95% 54.28%
Penalties
-----------------------------------------------------------------------------------
Property Type
Single Family Detached 91.25% 86.17%
Planned Unit Development 4.80% 12.67%
Condominium 2.69% 0.29%
Townhouse 0.78% 0.63%
Two to Four Family 0.45% 0.24%
Manufactured Housing 0.02% 0.00%
-----------------------------------------------------------------------------------
Occupancy Status
Owner / Non-Owner Occupied 100.00% / 0.00% 100.00% / 0.00%
Loan Purpose
Debt Consolidation 87.48% 79.59%
Cash Out/Refinance 9.62% 12.52%
DC & HI Combination 1.64% 3.93%
Other 1.26% 3.96%
-----------------------------------------------------------------------------------
Geographic Concentration (>
5%)
CA (9.08%) CA (28.75%)
FL (6.81%) MD (9.03%)
MD (5.68%) VA (6.62%)
WA (5.97%)
-----------------------------------------------------------------------------------
________________________________________________________________________________
This Information was prepared by Bear Stearns & Co. Inc. in its capacity as lead
underwriter. This information should be considered only after reading the
Statement Regarding Assumptions as to Securities, Pricing Estimates and Other
Information, which should be attached. Do not use or rely on this information if
you have not received and reviewed this Statement. You may obtain a copy of the
Statement from your sales representative.
Worldwide Capital Partner
<PAGE>
Computational Materials: Information Relating to the Collateral (Page 2 of 11)
----------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY
THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE
PROSPECTUS SUPPLEMENT.
----------------------------------------------------------------------------------------------
Loan Group I
Home Loan Rates
Range of Number of Statistical Percentage of
Cut-off Date
Loan Rates (%) Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
8.001 to 8.500 1 $29,443.17 0.01%
9.001 to 9.500 3 69,840.33 0.01%
9.501 to 10.000 5 102,915.97 0.02%
10.001 to 10.500 14 335,977.93 0.06%
10.501 to 11.000 21 575,726.69 0.11%
11.001 to 11.500 53 1,686,766.41 0.32%
11.501 to 12.000 445 17,780,358.05 3.38%
12.001 to 12.500 664 27,274,347.40 5.18%
12.501 to 13.000 2,748 109,514,255.21 20.81%
13.001 to 13.500 1,689 69,214,515.26 13.15%
13.501 to 14.000 2,798 108,598,840.16 20.63%
14.001 to 14.500 1,446 54,357,455.49 10.33%
14.501 to 15.000 1,854 66,598,462.77 12.65%
15.001 to 15.500 564 19,527,638.86 3.71%
15.501 to 16.000 270 8,927,842.22 1.70%
16.001 to 16.500 167 5,357,397.21 1.02%
16.501 to 17.000 726 21,403,800.14 4.07%
17.001 to 17.500 253 7,449,499.67 1.42%
17.501 to 18.000 230 6,726,444.94 1.28%
18.001 to 18.500 22 699,039.43 0.13%
18.501 or greater 2 60,988.06 0.01%
----------------------------------------------
Total 13,975 $526,291,555.37 100.00%
Current Home Loan Principal Balances
Range of Current Number of Statistical Percentage
Cut-off Date of
Home Loan Amounts Home Loans Principal Home Loan
Balance Pool
-------------------- ---------------------------------------------
Up to 2,646 $56,298,176.48 10.70%
$25,000.00
$25,000.01 to 9,219 339,144,894.11 64.44%
$50,000.00
$50,000.01 to 2,092 129,249,721.32 24.56%
$75,000.00
$75,000.01 to 18 1,598,763.46 0.30%
$100,000.00
---------------------------------------------
Total 13,975 $526,291,555.37 100.00%
________________________________________________________________________________
This Information was prepared by Bear Stearns & Co. Inc. in its capacity as lead
underwriter. This information should be considered only after reading the
Statement Regarding Assumptions as to Securities, Pricing Estimates and Other
Information, which should be attached. Do not use or rely on this information if
you have not received and reviewed this Statement. You may obtain a copy of the
Statement from your sales representative.
Worldwide Capital Partner
<PAGE>
Computational Materials: Information Relating to the Collateral (Page 3 of 11)
----------------------------------------------------------------------------------------------
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY
THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE
PROSPECTUS SUPPLEMENT.
----------------------------------------------------------------------------------------------
Loan Group I
Combined Loan-to-Value Ratios
-----------
Range of Combined Number of Home Statistical Percentage
Cut-off Date of
Loan-to-Value Home Loans Principal Home Loan
Ratios (%) Balance Pool
-------------------- ----------------------------------------------
Up to 70.00 33 $973,810.99 0.19%
70.01 to 75.00 15 486,616.62 0.09%
75.01 to 80.00 71 2,066,031.41 0.39%
80.01 to 85.00 58 1,831,642.42 0.35%
85.01 to 90.00 115 3,480,876.10 0.66%
90.01 to 95.00 285 8,864,564.23 1.68%
95.01 to 100.00 529 16,371,254.59 3.11%
100.01 to 105.00 851 28,734,019.73 5.46%
105.01 to 110.00 1,585 55,918,628.09 10.63%
110.01 to 115.00 2,202 81,263,356.68 15.44%
115.01 to 120.00 2,715 105,224,758.73 19.99%
120.01 to 125.00 5,511 220,781,981.22 41.95%
Greater than 125.00 5 294,014.56 0.06%
----------------------------------------------
Total 13,975 $526,291,555.37 100.00%
Months Remaining to Maturity
Months Remaining Number of Statistical Percentage of
Cut-off Date
to Maturity Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
0 to 96 57 $1,424,748.15 0.27%
97 to 108 12 303,190.70 0.06%
109 to 120 546 16,506,476.25 3.14%
121 to 144 12 422,492.74 0.08%
145 to 156 10 305,839.72 0.06%
157 to 168 65 1,806,730.63 0.34%
169 to 180 6,091 212,213,698.51 40.32%
181 to 288 2,054 81,725,617.53 15.53%
289 to 300 5,079 210,104,015.05 39.92%
Greater than 300 49 1,478,746.09 0.28%
----------------------------------------------
Total 13,975 $526,291,555.37 100.00%
________________________________________________________________________________
This Information was prepared by Bear Stearns & Co. Inc. in its capacity as lead
underwriter. This information should be considered only after reading the
Statement Regarding Assumptions as to Securities, Pricing Estimates and Other
Information, which should be attached. Do not use or rely on this information if
you have not received and reviewed this Statement. You may obtain a copy of the
Statement from your sales representative.
Worldwide Capital Partner
<PAGE>
Computational Materials: Information Relating to the Collateral (Page 4 of 11)
----------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY
THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE
PROSPECTUS SUPPLEMENT.
----------------------------------------------------------------------------------------------
Loan Group I
Year of Origination
Number of Statistical Percentage of
Cut-off Date
Year of Origination Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
1996 2 $63,256.34 0.01%
1997 5 122,413.33 0.02%
1998 26 813,063.46 0.15%
1999 194 5,994,088.63 1.14%
2000 13,748 519,298,733.61 98.67%
----------------------------------------------
Total 13,975 $526,291,555.37 100.00%
Geographic Distribution of Mortgaged Properties
Number of Statistical Percentage of
Cut-off Date
State Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
California 1,149 $47,792,530.63 9.08%
Florida 965 35,829,823.14 6.81%
Maryland 775 29,885,790.57 5.68%
Pennsylvania 724 26,047,986.66 4.95%
Virginia 661 25,214,901.34 4.79%
Ohio 619 22,812,483.32 4.33%
Indiana 576 20,671,164.00 3.93%
Georgia 516 19,419,570.01 3.69%
Illinois 508 19,134,407.87 3.64%
Arizona 459 17,823,722.83 3.39%
Alabama 470 16,862,391.56 3.20%
Michigan 396 14,613,793.67 2.78%
New York 386 14,118,341.69 2.68%
Missouri 377 12,997,522.12 2.47%
Washington 311 12,513,146.16 2.38%
Colorado 279 11,526,771.79 2.19%
Wisconsin 308 11,495,675.20 2.18%
Kansas 305 10,792,316.05 2.05%
Other (<2%) 4,191 156,739,216.76 29.78%
----------------------------------------------
Total 13,975 $526,291,555.37 100.00%
________________________________________________________________________________
This Information was prepared by Bear Stearns & Co. Inc. in its capacity as lead
underwriter. This information should be considered only after reading the
Statement Regarding Assumptions as to Securities, Pricing Estimates and Other
Information, which should be attached. Do not use or rely on this information if
you have not received and reviewed this Statement. You may obtain a copy of the
Statement from your sales representative.
Worldwide Capital Partner
<PAGE>
Computational Materials: Information Relating to the Collateral (Page 5 of 11)
----------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY
THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE
PROSPECTUS SUPPLEMENT.
----------------------------------------------------------------------------------------------
Loan Group I
Debt-to-Income Ratio
Number of Statistical Percentage of
Cut-off Date
Debt-to-Income Ratio Home Loans Principal Home Loan
(%) Balance Pool
--------------------------------------------------------------------
Up to 20.00 77 $2,449,059.34 0.46%
20.01 to 25.00 319 10,882,750.93 2.07%
25.01 to 30.00 1,044 36,321,363.23 6.90%
30.01 to 35.00 2,139 76,005,714.24 14.44%
35.01 to 40.00 3,096 113,122,148.16 21.49%
40.01 to 45.00 4,804 176,274,809.41 33.49%
45.01 to 50.00 2,496 111,235,710.06 21.14%
----------------------------------------------
Total 13,975 $526,291,555.37 100.00%
Credit Scores
Range of Number Statistical Percentage of
Cut-off Date
Credit Scores Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
620 to 639 3 $67,853.14 0.01%
640 to 659 1,217 35,855,413.59 6.81%
660 to 679 3,414 121,009,826.96 22.99%
680 to 699 3,581 136,771,275.71 25.99%
700 to 719 3,064 127,072,000.33 24.14%
720 to 739 1,622 64,585,707.26 12.27%
740 to 759 768 29,389,463.02 5.58%
760 to 779 246 9,329,593.23 1.77%
780 to 799 58 2,150,854.89 0.41%
800 or greater 2 59,567.24 0.01%
----------------------------------------------
Total 13,975 $526,291,555.37 100.00%
________________________________________________________________________________
This Information was prepared by Bear Stearns & Co. Inc. in its capacity as lead
underwriter. This information should be considered only after reading the
Statement Regarding Assumptions as to Securities, Pricing Estimates and Other
Information, which should be attached. Do not use or rely on this information if
you have not received and reviewed this Statement. You may obtain a copy of the
Statement from your sales representative.
Worldwide Capital Partner
<PAGE>
Computational Materials: Information Relating to the Collateral (Page 6 of 11)
----------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY
THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE
PROSPECTUS SUPPLEMENT.
----------------------------------------------------------------------------------------------
Loan Group I
Prepay Penalties
Range of Number Statistical Percentage of
Cut-off Date
Prepayment Penalty Home Loans Principal Home Loan
Terms Balance Pool
-------------------- ----------------------------------------------
None 6,712 $247,598,653.30 47.05%
3 months 2 53,888.59 0.01%
6 months 9 263,061.77 0.05%
12 months 235 9,936,210.84 1.89%
24 months 20 812,404.92 0.15%
25 months 1 34,175.84 0.01%
30 months 33 1,365,084.39 0.26%
32 months 1 31,747.17 0.01%
36 months 6,533 251,124,703.58 47.72%
42 months 18 803,641.65 0.15%
48 months 1 58,872.79 0.01%
60 months 387 13,363,092.81 2.54%
N/A (A) 23 846,017.72 0.17%
----------------------------------------------
Total 13,975 $526,291,555.37 100.00%
Note: (A) Will not exceed 60 months.
________________________________________________________________________________
This Information was prepared by Bear Stearns & Co. Inc. in its capacity as lead
underwriter. This information should be considered only after reading the
Statement Regarding Assumptions as to Securities, Pricing Estimates and Other
Information, which should be attached. Do not use or rely on this information if
you have not received and reviewed this Statement. You may obtain a copy of the
Statement from your sales representative.
Worldwide Capital Partner
<PAGE>
Computational Materials: Information Relating to the Collateral (Page 7 of 11)
----------------------------------------------------------------------------------------------
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY
THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE
PROSPECTUS SUPPLEMENT.
----------------------------------------------------------------------------------------------
Loan Group II
Home Loan Rates
Range of Number of Statistical Percentage of
Cut-off Date
Loan Rates (%) Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
9.001 to 9.500 2 $118,182.12 0.53%
11.001 to 11.500 3 174,343.04 0.79%
11.501 to 12.000 17 1,081,335.53 4.88%
12.001 to 12.500 28 1,736,328.61 7.84%
12.501 to 13.000 96 5,875,554.88 26.53%
13.001 to 13.500 67 4,080,478.28 18.42%
13.501 to 14.000 81 4,721,740.04 21.32%
14.001 to 14.500 35 1,929,408.18 8.71%
14.501 to 15.000 25 1,277,631.27 5.77%
15.001 to 15.500 12 564,893.00 2.55%
15.501 to 16.000 5 274,196.22 1.24%
16.001 to 16.500 2 62,763.68 0.28%
16.501 to 17.000 6 216,249.91 0.98%
17.001 to 17.500 1 34,959.28 0.16%
----------------------------------------------
Total 380 $22,148,064.04 100.00%
Current Home Loan Principal Balances
Range of Current Number of Statistical Percentage
Cut-off Date of
Home Loan Amounts Home Loans Principal Home Loan
Balance Pool
-------------------- ---------------------------------------------
Up to 9 $188,621.16 0.85%
$25,000.00
$25,000.01 to 124 5,524,480.32 24.94%
$50,000.00
$50,000.01 to 233 15,134,165.41 68.33%
$75,000.00
$75,000.01 to 14 1,300,797.15 5.87%
$100,000.00
---------------------------------------------
Total 380 $22,148,064.04 100.00%
________________________________________________________________________________
This Information was prepared by Bear Stearns & Co. Inc. in its capacity as lead
underwriter. This information should be considered only after reading the
Statement Regarding Assumptions as to Securities, Pricing Estimates and Other
Information, which should be attached. Do not use or rely on this information if
you have not received and reviewed this Statement. You may obtain a copy of the
Statement from your sales representative.
Worldwide Capital Partner
<PAGE>
Computational Materials: Information Relating to the Collateral (Page 8 of 11)
----------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY
THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE
PROSPECTUS SUPPLEMENT.
----------------------------------------------------------------------------------------------
Loan Group II
Combined Loan-to-Value Ratios
Range of Combined Number of Home Statistical Percentage
Cut-off Date of
Loan-to-Value Home Loans Principal Home Loan
Ratios (%) Balance Pool
-------------------- ----------------------------------------------
Up to 70.00 2 $88,603.26 0.40%
75.01 to 80.00 1 17,963.79 0.08%
85.01 to 90.00 7 319,454.76 1.44%
90.01 to 95.00 12 527,522.68 2.38%
95.01 to 100.00 17 827,891.54 3.74%
100.01 to 105.00 38 2,277,366.23 10.28%
105.01 to 110.00 58 3,137,656.71 14.17%
110.01 to 115.00 80 4,654,160.79 21.01%
115.01 to 120.00 77 4,617,996.50 20.85%
120.01 to 125.00 88 5,679,447.78 25.64%
----------------------------------------------
Total 380 $22,148,064.04 100.00%
Months Remaining to Maturity
Months Remaining Number of Statistical Percentage of
Cut-off Date
to Maturity Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
Up to 96 1 $52,775.06 0.24%
109 to 120 12 638,254.13 2.88%
157 to 168 7 297,273.27 1.34%
169 to 180 97 5,214,090.91 23.54%
181 to 288 64 3,862,153.30 17.44%
289 to 300 188 11,464,161.06 51.76%
Greater than 300 11 619,356.31 2.80%
----------------------------------------------
Total 380 $22,148,064.04 100.00%
________________________________________________________________________________
This Information was prepared by Bear Stearns & Co. Inc. in its capacity as lead
underwriter. This information should be considered only after reading the
Statement Regarding Assumptions as to Securities, Pricing Estimates and Other
Information, which should be attached. Do not use or rely on this information if
you have not received and reviewed this Statement. You may obtain a copy of the
Statement from your sales representative.
Worldwide Capital Partner
<PAGE>
Computational Materials: Information Relating to the Collateral (Page 9 of 11)
----------------------------------------------------------------------------------------------
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY
THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE
PROSPECTUS SUPPLEMENT.
----------------------------------------------------------------------------------------------
Loan Group II
Year of Origination
Number of Statistical Percentage of
Cut-off Date
Year of Origination Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
1998 1 $52,775.06 0.24%
1999 13 719,827.51 3.25%
2000 366 21,375,461.47 96.51%
----------------------------------------------
Total 380 $22,148,064.04 100.00%
Geographic Distribution of Mortgaged Properties
Number of Statistical Percentage of
Cut-off Date
State Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
California 108 $6,366,889.40 28.75%
Maryland 35 1,999,141.49 9.03%
Virginia 22 1,466,230.14 6.62%
Washington 22 1,321,716.70 5.97%
Georgia 19 971,826.86 4.39%
Colorado 16 943,662.63 4.26%
New York 12 709,247.11 3.20%
Arizona 12 690,057.00 3.12%
Illinois 13 619,479.38 2.80%
Ohio 10 608,159.07 2.75%
New Jersey 9 500,829.16 2.26%
Florida 9 467,918.69 2.11%
Other (<2%) 93 5,482,906.41 24.76%
----------------------------------------------
Total 380 $22,148,064.04 100.00%
________________________________________________________________________________
This Information was prepared by Bear Stearns & Co. Inc. in its capacity as lead
underwriter. This information should be considered only after reading the
Statement Regarding Assumptions as to Securities, Pricing Estimates and Other
Information, which should be attached. Do not use or rely on this information if
you have not received and reviewed this Statement. You may obtain a copy of the
Statement from your sales representative.
Worldwide Capital Partner
<PAGE>
Computational Materials: Information Relating to the Collateral (Page 10 of 11)
----------------------------------------------------------------------------------------------
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY
THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE
PROSPECTUS SUPPLEMENT.
----------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------
Loan Group II
Debt-to-Income Ratio
Number of Statistical Percentage of
Cut-off Date
Debt-to-Income Ratio Home Loans Principal Home Loan
(%) Balance Pool
--------------------------------------------------------------------
15.01 to 20.00 1 $74,728.73 0.34%
20.01 to 25.00 4 185,212.54 0.84%
25.01 to 30.00 20 1,019,634.80 4.60%
30.01 to 35.00 40 2,278,850.16 10.29%
35.01 to 40.00 75 4,454,293.50 20.11%
40.01 to 45.00 100 5,991,676.96 27.05%
45.01 to 50.00 140 8,143,667.35 36.77%
----------------------------------------------
Total 380 $22,148,064.04 100.00%
Credit Scores
Range of Number Statistical Percentage of
Cut-off Date
Credit Scores Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
640 to 659 10 $432,781.69 1.95%
660 to 679 64 3,069,551.64 13.86%
680 to 699 93 5,190,525.58 23.44%
700 to 719 120 7,439,433.89 33.59%
720 to 739 54 3,730,644.29 16.84%
740 to 759 24 1,506,179.83 6.80%
760 to 779 14 728,998.28 3.29%
780 to 799 1 49,948.84 0.23%
----------------------------------------------
Total 380 $22,148,064.04 100.00%
________________________________________________________________________________
This Information was prepared by Bear Stearns & Co. Inc. in its capacity as lead
underwriter. This information should be considered only after reading the
Statement Regarding Assumptions as to Securities, Pricing Estimates and Other
Information, which should be attached. Do not use or rely on this information if
you have not received and reviewed this Statement. You may obtain a copy of the
Statement from your sales representative.
Worldwide Capital Partner
<PAGE>
Computational Materials: Information Relating to the Collateral (Page 11 of 11)
----------------------------------------------------------------------------------------------
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY
THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE
PROSPECTUS SUPPLEMENT.
----------------------------------------------------------------------------------------------
Loan Group II
Prepay Penalties
Range of Number Statistical Percentage of
Cut-off Date
Prepayment Penalty Home Loans Principal Home Loan
Terms Balance Pool
-------------------- ----------------------------------------------
None 178 $10,126,114.95 45.72%
12 months 6 347,817.07 1.57%
24 months 1 74,940.06 0.34%
30 months 1 61,971.14 0.28%
36 months 188 11,195,052.24 50.55%
42 months 1 53,950.69 0.24%
60 months 5 288,217.89 1.30%
----------------------------------------------
Total 380 $22,148,064.04 100.00%
</TABLE>
________________________________________________________________________________
This Information was prepared by Bear Stearns & Co. Inc. in its capacity as lead
underwriter. This information should be considered only after reading the
Statement Regarding Assumptions as to Securities, Pricing Estimates and Other
Information, which should be attached. Do not use or rely on this information if
you have not received and reviewed this Statement. You may obtain a copy of the
Statement from your sales representative.
Worldwide Capital Partner
<PAGE>
[GRAPHIC OMITTED] BEAR, STEARNS & CO. INC.
ATLANTA o BOSTON o CHICAGO ASSET-BACKED SECURITIES GROUP
DALLAS o LOS ANGELES o NEW YORK o SAN FRANCISCO 245 Park Avenue
FRANKFORT o GENEVA o HONG KONG New York, N.Y. 10167
LONDON o PARIS o TOKYO (212) 272-2000; (212) 272-7294 fax
-------------------------------------------------------------------------------
New Issue Computational Materials
$575,000,000 (Approximate)
Home Loan-Backed Notes,
Series 2000-HI5
Residential Funding Mortgage Securities II, Inc.
Depositor
Home Loan Trust 2000-HI5
Issuer
Residential Funding Corporation
Seller and Master Servicer
December 4, 2000
--------------------------------------------------------------------------------
BEAR STEARNS
This information should be considered only after reading Bear Stearns' Statement
Regarding Assumptions as to Securities, Pricing Estimates and Other Information
(the "Statement"), which should be attached. Do not use or rely on this
information if you have not received and reviewed this Statement. You may obtain
a copy of the Statement from your sales representative.
<PAGE>
<TABLE>
<CAPTION>
Residential Funding Mortgage Securities II, Inc.
Home Loan Trust 2000-HI5
Computational Materials: Information Relating to the Collateral (Page 1 of 11)
----------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY
THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE
PROSPECTUS SUPPLEMENT.
----------------------------------------------------------------------------------------------
-----------------------------------------------------------------------------------
Home Loan Group I II
-----------------------------------------------------------------------------------
<S> <C> <C>
Current Balance (as of $526,291,555 $22,148,064
11/28/00)
Loan Count 13,975 380
Average Balance $37,660 $58,284
Maximum Balance $100,000 $100,000
-----------------------------------------------------------------------------------
WA Gross WAC 13.961% 13.452%
Range of Gross Coupons 8.250% to 18.750% 9.125% to 17.490%
WA Net WAC (%) 13.381% 12.872%
WA Remaining Term (mos) 234 255
WA Age (mos) 2 2
WA Orig. Term (mos) 236 257
-----------------------------------------------------------------------------------
Balloon / Fully Amortizing 0.28% / 99.72% 2.08% / 97.92%
First Lien / Second Lien 0.03% / 99.97% 0.00% / 100.00%
-----------------------------------------------------------------------------------
WA Credit Score 696 706
Up to 639 0.01% 0.00%
640 to 679 29.80% 15.81%
680 to 719 50.13% 57.03%
720 to 759 17.85% 23.64%
760 to 799 2.18% 3.52%
800 or greater 0.01% 0.00%
-----------------------------------------------------------------------------------
WA Debt-to-Income Ratio 40.24% 42.12%
Range of Debt-to-Income 12.00% to 50.00% 20.00% to 50.00%
Ratios
WA CLTV 116.20% 113.23%
% CLTVs > 100.00% 93.53% 91.95%
Range of CLTVs 13.00% to 126.00% 12.00% to 125.00%
% of Pool with Prepay 52.95% 54.28%
Penalties
-----------------------------------------------------------------------------------
Property Type
------------------------------ 91.25% 86.17%
Single Family Detached
Planned Unit Development 4.80% 12.67%
Condominium 2.69% 0.29%
Townhouse 0.78% 0.63%
Two to Four Family 0.45% 0.24%
Manufactured Housing 0.02% 0.00%
-----------------------------------------------------------------------------------
Occupancy Status
Owner / Non-Owner Occupied 100.00% / 0.00% 100.00% / 0.00%
Loan Purpose
Debt Consolidation 87.48% 79.59%
Cash Out/Refinance 9.62% 12.52%
DC & HI Combination 1.64% 3.93%
Other 1.26% 3.96%
-----------------------------------------------------------------------------------
Geographic Concentration (>
5%)
CA (9.08%) CA (28.75%)
FL (6.81%) MD (9.03%)
MD (5.68%) VA (6.62%)
WA (5.97%)
-----------------------------------------------------------------------------------
--------------------------------------------------------------------------------
BEAR STEARNS
This information should be considered only after reading Bear Stearns' Statement
Regarding Assumptions as to Securities, Pricing Estimates and Other Information
(the "Statement"), which should be attached. Do not use or rely on this
information if you have not received and reviewed this Statement. You may obtain
a copy of the Statement from your sales representative.
<PAGE>
Residential Funding Mortgage Securities II, Inc.
Home Loan Trust 2000-HI5
Computational Materials: Information Relating to the Collateral (Page 2 of 11)
----------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY
THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE
PROSPECTUS SUPPLEMENT.
----------------------------------------------------------------------------------------------
Loan Group I
Home Loan Rates
Range of Number of Statistical Percentage of
Cut-off Date
Loan Rates (%) Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
8.001 to 8.500 1 $29,443.17 0.01%
9.001 to 9.500 3 69,840.33 0.01%
9.501 to 10.000 5 102,915.97 0.02%
10.001 to 10.500 14 335,977.93 0.06%
10.501 to 11.000 21 575,726.69 0.11%
11.001 to 11.500 53 1,686,766.41 0.32%
11.501 to 12.000 445 17,780,358.05 3.38%
12.001 to 12.500 664 27,274,347.40 5.18%
12.501 to 13.000 2,748 109,514,255.21 20.81%
13.001 to 13.500 1,689 69,214,515.26 13.15%
13.501 to 14.000 2,798 108,598,840.16 20.63%
14.001 to 14.500 1,446 54,357,455.49 10.33%
14.501 to 15.000 1,854 66,598,462.77 12.65%
15.001 to 15.500 564 19,527,638.86 3.71%
15.501 to 16.000 270 8,927,842.22 1.70%
16.001 to 16.500 167 5,357,397.21 1.02%
16.501 to 17.000 726 21,403,800.14 4.07%
17.001 to 17.500 253 7,449,499.67 1.42%
17.501 to 18.000 230 6,726,444.94 1.28%
18.001 to 18.500 22 699,039.43 0.13%
18.501 or greater 2 60,988.06 0.01%
----------------------------------------------
Total 13,975 $526,291,555.37 100.00%
Current Home Loan Principal Balances
Range of Current Number of Statistical Percentage
Cut-off Date of
Home Loan Amounts Home Loans Principal Home Loan
Balance Pool
-------------------- ---------------------------------------------
Up to 2,646 $56,298,176.48 10.70%
$25,000.00
$25,000.01 to 9,219 339,144,894.11 64.44%
$50,000.00
$50,000.01 to 2,092 129,249,721.32 24.56%
$75,000.00
$75,000.01 to 18 1,598,763.46 0.30%
$100,000.00
---------------------------------------------
Total 13,975 $526,291,555.37 100.00%
--------------------------------------------------------------------------------
BEAR STEARNS
This information should be considered only after reading Bear Stearns' Statement
Regarding Assumptions as to Securities, Pricing Estimates and Other Information
(the "Statement"), which should be attached. Do not use or rely on this
information if you have not received and reviewed this Statement. You may obtain
a copy of the Statement from your sales representative.
<PAGE>
Residential Funding Mortgage Securities II, Inc.
Home Loan Trust 2000-HI5
Computational Materials: Information Relating to the Collateral (Page 3 of 11)
----------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY
THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE
PROSPECTUS SUPPLEMENT.
----------------------------------------------------------------------------------------------
Loan Group I
Combined Loan-to-Value Ratios
Range of Combined Number of Home Statistical Percentage
Cut-off Date of
Loan-to-Value Home Loans Principal Home Loan
Ratios (%) Balance Pool
-------------------- ----------------------------------------------
Up to 70.00 33 $973,810.99 0.19%
70.01 to 75.00 15 486,616.62 0.09%
75.01 to 80.00 71 2,066,031.41 0.39%
80.01 to 85.00 58 1,831,642.42 0.35%
85.01 to 90.00 115 3,480,876.10 0.66%
90.01 to 95.00 285 8,864,564.23 1.68%
95.01 to 100.00 529 16,371,254.59 3.11%
100.01 to 105.00 851 28,734,019.73 5.46%
105.01 to 110.00 1,585 55,918,628.09 10.63%
110.01 to 115.00 2,202 81,263,356.68 15.44%
115.01 to 120.00 2,715 105,224,758.73 19.99%
120.01 to 125.00 5,511 220,781,981.22 41.95%
Greater than 125.00 5 294,014.56 0.06%
----------------------------------------------
Total 13,975 $526,291,555.37 100.00%
Months Remaining to Maturity
Months Remaining Number of Statistical Percentage of
Cut-off Date
to Maturity Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
0 to 96 57 $1,424,748.15 0.27%
97 to 108 12 303,190.70 0.06%
109 to 120 546 16,506,476.25 3.14%
121 to 144 12 422,492.74 0.08%
145 to 156 10 305,839.72 0.06%
157 to 168 65 1,806,730.63 0.34%
169 to 180 6,091 212,213,698.51 40.32%
181 to 288 2,054 81,725,617.53 15.53%
289 to 300 5,079 210,104,015.05 39.92%
Greater than 300 49 1,478,746.09 0.28%
----------------------------------------------
Total 13,975 $526,291,555.37 100.00%
--------------------------------------------------------------------------------
BEAR STEARNS
This information should be considered only after reading Bear Stearns' Statement
Regarding Assumptions as to Securities, Pricing Estimates and Other Information
(the "Statement"), which should be attached. Do not use or rely on this
information if you have not received and reviewed this Statement. You may obtain
a copy of the Statement from your sales representative.
<PAGE>
Residential Funding Mortgage Securities II, Inc.
Home Loan Trust 2000-HI5
Computational Materials: Information Relating to the Collateral (Page 4 of 11)
----------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY
THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE
PROSPECTUS SUPPLEMENT.
----------------------------------------------------------------------------------------------
Loan Group I
Year of Origination
Number of Statistical Percentage of
Cut-off Date
Year of Origination Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
1996 2 $63,256.34 0.01%
1997 5 122,413.33 0.02%
1998 26 813,063.46 0.15%
1999 194 5,994,088.63 1.14%
2000 13,748 519,298,733.61 98.67%
----------------------------------------------
Total 13,975 $526,291,555.37 100.00%
Geographic Distribution of Mortgaged Properties
Number of Statistical Percentage of
Cut-off Date
State Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
California 1,149 $47,792,530.63 9.08%
Florida 965 35,829,823.14 6.81%
Maryland 775 29,885,790.57 5.68%
Pennsylvania 724 26,047,986.66 4.95%
Virginia 661 25,214,901.34 4.79%
Ohio 619 22,812,483.32 4.33%
Indiana 576 20,671,164.00 3.93%
Georgia 516 19,419,570.01 3.69%
Illinois 508 19,134,407.87 3.64%
Arizona 459 17,823,722.83 3.39%
Alabama 470 16,862,391.56 3.20%
Michigan 396 14,613,793.67 2.78%
New York 386 14,118,341.69 2.68%
Missouri 377 12,997,522.12 2.47%
Washington 311 12,513,146.16 2.38%
Colorado 279 11,526,771.79 2.19%
Wisconsin 308 11,495,675.20 2.18%
Kansas 305 10,792,316.05 2.05%
Other (<2%) 4,191 156,739,216.76 29.78%
----------------------------------------------
Total 13,975 $526,291,555.37 100.00%
--------------------------------------------------------------------------------
BEAR STEARNS
This information should be considered only after reading Bear Stearns' Statement
Regarding Assumptions as to Securities, Pricing Estimates and Other Information
(the "Statement"), which should be attached. Do not use or rely on this
information if you have not received and reviewed this Statement. You may obtain
a copy of the Statement from your sales representative.
<PAGE>
Residential Funding Mortgage Securities II, Inc.
Home Loan Trust 2000-HI5
Computational Materials: Information Relating to the Collateral (Page 5 of 11)
----------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY
THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE
PROSPECTUS SUPPLEMENT.
----------------------------------------------------------------------------------------------
Loan Group I
Debt-to-Income Ratio
Number of Statistical Percentage of
Cut-off Date
Debt-to-Income Ratio Home Loans Principal Home Loan
(%) Balance Pool
--------------------------------------------------------------------
Up to 20.00 77 $2,449,059.34 0.46%
20.01 to 25.00 319 10,882,750.93 2.07%
25.01 to 30.00 1,044 36,321,363.23 6.90%
30.01 to 35.00 2,139 76,005,714.24 14.44%
35.01 to 40.00 3,096 113,122,148.16 21.49%
40.01 to 45.00 4,804 176,274,809.41 33.49%
45.01 to 50.00 2,496 111,235,710.06 21.14%
----------------------------------------------
Total 13,975 $526,291,555.37 100.00%
Credit Scores
Range of Number Statistical Percentage of
Cut-off Date
Credit Scores Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
620 to 639 3 $67,853.14 0.01%
640 to 659 1,217 35,855,413.59 6.81%
660 to 679 3,414 121,009,826.96 22.99%
680 to 699 3,581 136,771,275.71 25.99%
700 to 719 3,064 127,072,000.33 24.14%
720 to 739 1,622 64,585,707.26 12.27%
740 to 759 768 29,389,463.02 5.58%
760 to 779 246 9,329,593.23 1.77%
780 to 799 58 2,150,854.89 0.41%
800 or greater 2 59,567.24 0.01%
----------------------------------------------
Total 13,975 $526,291,555.37 100.00%
--------------------------------------------------------------------------------
BEAR STEARNS
This information should be considered only after reading Bear Stearns' Statement
Regarding Assumptions as to Securities, Pricing Estimates and Other Information
(the "Statement"), which should be attached. Do not use or rely on this
information if you have not received and reviewed this Statement. You may obtain
a copy of the Statement from your sales representative.
<PAGE>
Residential Funding Mortgage Securities II, Inc.
Home Loan Trust 2000-HI5
Computational Materials: Information Relating to the Collateral (Page 6 of 11)
----------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY
THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE
PROSPECTUS SUPPLEMENT.
----------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------
Loan Group I
Prepay Penalties
Range of Number Statistical Percentage of
Cut-off Date
Prepayment Penalty Home Loans Principal Home Loan
Terms Balance Pool
-------------------- ----------------------------------------------
None 6,712 $247,598,653.30 47.05%
3 months 2 53,888.59 0.01%
6 months 9 263,061.77 0.05%
12 months 235 9,936,210.84 1.89%
24 months 20 812,404.92 0.15%
25 months 1 34,175.84 0.01%
30 months 33 1,365,084.39 0.26%
32 months 1 31,747.17 0.01%
36 months 6,533 251,124,703.58 47.72%
42 months 18 803,641.65 0.15%
48 months 1 58,872.79 0.01%
60 months 387 13,363,092.81 2.54%
N/A (A) 23 846,017.72 0.17%
----------------------------------------------
Total 13,975 $526,291,555.37 100.00%
Note: (A) Will not exceed 60 months.
--------------------------------------------------------------------------------
BEAR STEARNS
This information should be considered only after reading Bear Stearns' Statement
Regarding Assumptions as to Securities, Pricing Estimates and Other Information
(the "Statement"), which should be attached. Do not use or rely on this
information if you have not received and reviewed this Statement. You may obtain
a copy of the Statement from your sales representative.
<PAGE>
Residential Funding Mortgage Securities II, Inc.
Home Loan Trust 2000-HI5
Computational Materials: Information Relating to the Collateral (Page 7 of 11)
----------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY
THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE
PROSPECTUS SUPPLEMENT.
----------------------------------------------------------------------------------------------
Loan Group II
Home Loan Rates
Range of Number of Statistical Percentage of
Cut-off Date
Loan Rates (%) Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
9.001 to 9.500 2 $118,182.12 0.53%
11.001 to 11.500 3 174,343.04 0.79%
11.501 to 12.000 17 1,081,335.53 4.88%
12.001 to 12.500 28 1,736,328.61 7.84%
12.501 to 13.000 96 5,875,554.88 26.53%
13.001 to 13.500 67 4,080,478.28 18.42%
13.501 to 14.000 81 4,721,740.04 21.32%
14.001 to 14.500 35 1,929,408.18 8.71%
14.501 to 15.000 25 1,277,631.27 5.77%
15.001 to 15.500 12 564,893.00 2.55%
15.501 to 16.000 5 274,196.22 1.24%
16.001 to 16.500 2 62,763.68 0.28%
16.501 to 17.000 6 216,249.91 0.98%
17.001 to 17.500 1 34,959.28 0.16%
----------------------------------------------
Total 380 $22,148,064.04 100.00%
Current Home Loan Principal Balances
Range of Current Number of Statistical Percentage
Cut-off Date of
Home Loan Amounts Home Loans Principal Home Loan
Balance Pool
-------------------- ---------------------------------------------
Up to 9 $188,621.16 0.85%
$25,000.00
$25,000.01 to 124 5,524,480.32 24.94%
$50,000.00
$50,000.01 to 233 15,134,165.41 68.33%
$75,000.00
$75,000.01 to 14 1,300,797.15 5.87%
$100,000.00
---------------------------------------------
Total 380 $22,148,064.04 100.00%
--------------------------------------------------------------------------------
BEAR STEARNS
This information should be considered only after reading Bear Stearns' Statement
Regarding Assumptions as to Securities, Pricing Estimates and Other Information
(the "Statement"), which should be attached. Do not use or rely on this
information if you have not received and reviewed this Statement. You may obtain
a copy of the Statement from your sales representative.
<PAGE>
Residential Funding Mortgage Securities II, Inc.
Home Loan Trust 2000-HI5
Computational Materials: Information Relating to the Collateral (Page 8 of 11)
----------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY
THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE
PROSPECTUS SUPPLEMENT.
----------------------------------------------------------------------------------------------
Loan Group II
Combined Loan-to-Value Ratios
Range of Combined Number of Home Statistical Percentage
Cut-off Date of
Loan-to-Value Home Loans Principal Home Loan
Ratios (%) Balance Pool
-------------------- ----------------------------------------------
Up to 70.00 2 $88,603.26 0.40%
75.01 to 80.00 1 17,963.79 0.08%
85.01 to 90.00 7 319,454.76 1.44%
90.01 to 95.00 12 527,522.68 2.38%
95.01 to 100.00 17 827,891.54 3.74%
100.01 to 105.00 38 2,277,366.23 10.28%
105.01 to 110.00 58 3,137,656.71 14.17%
110.01 to 115.00 80 4,654,160.79 21.01%
115.01 to 120.00 77 4,617,996.50 20.85%
120.01 to 125.00 88 5,679,447.78 25.64%
----------------------------------------------
Total 380 $22,148,064.04 100.00%
Months Remaining to Maturity
Months Remaining Number of Statistical Percentage of
Cut-off Date
to Maturity Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
Up to 96 1 $52,775.06 0.24%
109 to 120 12 638,254.13 2.88%
157 to 168 7 297,273.27 1.34%
169 to 180 97 5,214,090.91 23.54%
181 to 288 64 3,862,153.30 17.44%
289 to 300 188 11,464,161.06 51.76%
Greater than 300 11 619,356.31 2.80%
----------------------------------------------
Total 380 $22,148,064.04 100.00%
--------------------------------------------------------------------------------
BEAR STEARNS
This information should be considered only after reading Bear Stearns' Statement
Regarding Assumptions as to Securities, Pricing Estimates and Other Information
(the "Statement"), which should be attached. Do not use or rely on this
information if you have not received and reviewed this Statement. You may obtain
a copy of the Statement from your sales representative.
<PAGE>
Residential Funding Mortgage Securities II, Inc.
Home Loan Trust 2000-HI5
Computational Materials: Information Relating to the Collateral (Page 9 of 11)
----------------------------------------------------------------------------------------------
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY
THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE
PROSPECTUS SUPPLEMENT.
----------------------------------------------------------------------------------------------
Loan Group II
Year of Origination
Number of Statistical Percentage of
Cut-off Date
Year of Origination Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
1998 1 $52,775.06 0.24%
1999 13 719,827.51 3.25%
2000 366 21,375,461.47 96.51%
----------------------------------------------
Total 380 $22,148,064.04 100.00%
Geographic Distribution of Mortgaged Properties
Number of Statistical Percentage of
Cut-off Date
State Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
California 108 $6,366,889.40 28.75%
Maryland 35 1,999,141.49 9.03%
Virginia 22 1,466,230.14 6.62%
Washington 22 1,321,716.70 5.97%
Georgia 19 971,826.86 4.39%
Colorado 16 943,662.63 4.26%
New York 12 709,247.11 3.20%
Arizona 12 690,057.00 3.12%
Illinois 13 619,479.38 2.80%
Ohio 10 608,159.07 2.75%
New Jersey 9 500,829.16 2.26%
Florida 9 467,918.69 2.11%
Other (<2%) 93 5,482,906.41 24.76%
----------------------------------------------
Total 380 $22,148,064.04 100.00%
--------------------------------------------------------------------------------
BEAR STEARNS
This information should be considered only after reading Bear Stearns' Statement
Regarding Assumptions as to Securities, Pricing Estimates and Other Information
(the "Statement"), which should be attached. Do not use or rely on this
information if you have not received and reviewed this Statement. You may obtain
a copy of the Statement from your sales representative.
<PAGE>
Residential Funding Mortgage Securities II, Inc.
Home Loan Trust 2000-HI5
Computational Materials: Information Relating to the Collateral (Page 10 of 11)
----------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY
THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE
PROSPECTUS SUPPLEMENT.
----------------------------------------------------------------------------------------------
Loan Group II
Debt-to-Income Ratio
Number of Statistical Percentage of
Cut-off Date
Debt-to-Income Ratio Home Loans Principal Home Loan
(%) Balance Pool
--------------------------------------------------------------------
15.01 to 20.00 1 $74,728.73 0.34%
20.01 to 25.00 4 185,212.54 0.84%
25.01 to 30.00 20 1,019,634.80 4.60%
30.01 to 35.00 40 2,278,850.16 10.29%
35.01 to 40.00 75 4,454,293.50 20.11%
40.01 to 45.00 100 5,991,676.96 27.05%
45.01 to 50.00 140 8,143,667.35 36.77%
----------------------------------------------
Total 380 $22,148,064.04 100.00%
Credit Scores
Range of Number Statistical Percentage of
Cut-off Date
Credit Scores Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
640 to 659 10 $432,781.69 1.95%
660 to 679 64 3,069,551.64 13.86%
680 to 699 93 5,190,525.58 23.44%
700 to 719 120 7,439,433.89 33.59%
720 to 739 54 3,730,644.29 16.84%
740 to 759 24 1,506,179.83 6.80%
760 to 779 14 728,998.28 3.29%
780 to 799 1 49,948.84 0.23%
----------------------------------------------
Total 380 $22,148,064.04 100.00%
--------------------------------------------------------------------------------
BEAR STEARNS
This information should be considered only after reading Bear Stearns' Statement
Regarding Assumptions as to Securities, Pricing Estimates and Other Information
(the "Statement"), which should be attached. Do not use or rely on this
information if you have not received and reviewed this Statement. You may obtain
a copy of the Statement from your sales representative.
<PAGE>
Residential Funding Mortgage Securities II, Inc.
Home Loan Trust 2000-HI5
Computational Materials: Information Relating to the Collateral (Page 11 of 11)
----------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY
THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE
PROSPECTUS SUPPLEMENT.
----------------------------------------------------------------------------------------------
Loan Group II
Prepay Penalties
Range of Number Statistical Percentage of
Cut-off Date
Prepayment Penalty Home Loans Principal Home Loan
Terms Balance Pool
-------------------- ----------------------------------------------
None 178 $10,126,114.95 45.72%
12 months 6 347,817.07 1.57%
24 months 1 74,940.06 0.34%
30 months 1 61,971.14 0.28%
36 months 188 11,195,052.24 50.55%
42 months 1 53,950.69 0.24%
60 months 5 288,217.89 1.30%
----------------------------------------------
Total 380 $22,148,064.04 100.00%
--------------------------------------------------------------------------------
</TABLE>
BEAR STEARNS
This information should be considered only after reading Bear Stearns' Statement
Regarding Assumptions as to Securities, Pricing Estimates and Other Information
(the "Statement"), which should be attached. Do not use or rely on this
information if you have not received and reviewed this Statement. You may obtain
a copy of the Statement from your sales representative.
<PAGE>
[GRAPHIC OMITTED]
New Issue Computational Materials
$575,000,000 (Approximate)
Home Loan-Backed Notes,
Series 2000-HI5
Residential Funding Mortgage Securities II, Inc.
Depositor
Home Loan Trust 2000-HI5
Issuer
Residential Funding Corporation
Seller and Master Servicer
December 4, 2000
Neither the Seller, the Servicer, nor the Trust, nor any of its affiliates make
any representations as to the accuracy or completeness of the information
herein. The information herein is preliminary, and will be superseded by the
applicable Prospectus Supplement and by any other information subsequently filed
with the Securities and Exchange Commission. The information herein addresses
only certain aspects of the applicable notes' characteristics and thus does not
provide a complete assessment of the notes. As such, the information may not
reflect the impact of all structural characteristics of the notes. The
assumptions underlying the information, including structure and collateral, may
be modified from time to time to reflect changed circumstances. The attached
term sheet is not intended to be a Prospectus and any investment decision with
respect to the notes should be made by you based solely upon all of the
information contained in the final Prospectus and Prospectus Supplement. Under
no circumstances shall the information presented constitute an offer to sell or
the solicitation of an offer to buy nor shall there be any sale of the notes in
any jurisdiction in which such offer, solicitation or sale would be unlawful
prior to registration or qualification under the securities laws of such
jurisdiction. The notes may not be sold nor may an offer to buy be accepted
prior to the delivery of a final Prospectus and Prospectus Supplement relating
to the notes. All information described herein is preliminary, limited in nature
and subject to completion or amendment. No representation is made that the above
referenced notes will actually perform as described in any scenario presented.
Neither the Seller, the Servicer, nor the Trust has prepared, reviewed or
participated in the preparation hereof. The Seller, the Servicer and the Trust
are not responsible for the accuracy hereof and they have not authorized its
dissemination. A final Prospectus and Prospectus Supplement may be obtained by
contacting Salomon Smith Barney's Syndicate Desk at (212) 723-6171.
<PAGE>
This page must be accompanied by the disclaimer included on the cover of these
materials. If you did not receive such a disclaimer please contact your Salomon
Smith Barney Financial Advisor immediately.
<TABLE>
<CAPTION>
Residential Funding Mortgage Securities II, Inc.
Home Loan Trust 2000-HI5
Computational Materials: Information Relating to the Collateral (Page 1 of 1)
----------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY
THE DESCRIPTION OF THE COLLATERAL CONTAINED IN THE
PROSPECTUS SUPPLEMENT.
----------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------
-----------------------------------------------------------------------------------
Home Loan Group I II
-----------------------------------------------------------------------------------
<S> <C> <C>
Current Balance (as of $526,291,555 $22,148,064
11/28/00)
Loan Count 13,975 380
Average Balance $37,660 $58,284
Maximum Balance $100,000 $100,000
-----------------------------------------------------------------------------------
WA Gross WAC 13.961% 13.452%
Range of Gross Coupons 8.250% to 18.750% 9.125% to 17.490%
WA Net WAC (%) 13.381% 12.872%
WA Remaining Term (mos) 234 255
WA Age (mos) 2 2
WA Orig. Term (mos) 236 257
-----------------------------------------------------------------------------------
Balloon / Fully Amortizing 0.28% / 99.72% 2.08% / 97.92%
First Lien / Second Lien 0.03% / 99.97% 0.00% / 100.00%
-----------------------------------------------------------------------------------
WA Credit Score 696 706
Up to 639 0.01% 0.00%
640 to 679 29.80% 15.81%
680 to 719 50.13% 57.03%
720 to 759 17.85% 23.64%
760 to 799 2.18% 3.52%
800 or greater 0.01% 0.00%
-----------------------------------------------------------------------------------
WA Debt-to-Income Ratio 40.24% 42.12%
Range of Debt-to-Income 12.00% to 50.00% 20.00% to 50.00%
Ratios
WA CLTV 116.20% 113.23%
% CLTVs > 100.00% 93.53% 91.95%
Range of CLTVs 13.00% to 126.00% 12.00% to 125.00%
% of Pool with Prepay 52.95% 54.28%
Penalties
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Property Type
------------------------------ 91.25% 86.17%
Single Family Detached
Planned Unit Development 4.80% 12.67%
Condominium 2.69% 0.29%
Townhouse 0.78% 0.63%
Two to Four Family 0.45% 0.24%
Manufactured Housing 0.02% 0.00%
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Occupancy Status
Owner / Non-Owner Occupied 100.00% / 0.00% 100.00% / 0.00%
Loan Purpose
Debt Consolidation 87.48% 79.59%
Cash Out/Refinance 9.62% 12.52%
DC & HI Combination 1.64% 3.93%
Other 1.26% 3.96%
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Geographic Concentration (>
5%)
CA (9.08%) CA (28.75%)
FL (6.81%) MD (9.03%)
MD (5.68%) VA (6.62%)
WA (5.97%)
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</TABLE>
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