The above analysis is not intended to be a prospectus and any investment
decision with respect to the security should be made by you based solely upon
all of the information contained in the final prospectus. 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 securities 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 securities may not be sold nor may an offer to buy be accepted prior to the
delivery of a final prospectus relating to the securities. The above preliminary
description of the underlying assets has been provided by the issuer and has not
been independently verified by Credit Suisse First Boston. All information
described above is preliminary, limited in nature and subject to completion or
amendment. Credit Suisse First Boston makes no representations that the above
referenced security will actually perform as described in any scenario
presented.
[GRAPHIC OMITTED]
New Issue Computational Materials
$583,771,000 (Approximate)
Home Loan-Backed Notes,
Series 2000-HI4
Residential Funding Mortgage Securities II, Inc.
Depositor
Home Loan Trust 2000-HI4
Issuer
Residential Funding Corporation
Seller and Master Servicer
September 6, 2000
<PAGE>
Residential Funding Mortgage Securities II, Inc.
Home Loan Trust 2000-HI4
Computational Materials: Information Relating to the Collateral (Page 1 of 10)
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF
THE COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT.
Loan Group I (as of the Statistical Cut-off Date)
Total Number of Loans: 14,904
Initial Principal Balance: $555,523,398.67
Average Loan Balance: $37,273.44
Wtd Avg Range
Home Loan Rate: 13.973% (9.095% - 19.760%)
Remaining Term (months): 23 (56 - 360)
Original Term (months): 234 (60 - 360)
Combined Loan-to-Value Ratio: 116.12%
Credit Score: 696
Debt-to-Income Ratio: 40.04%
Lien Position:
First Lien 0.03%
Junior Lien 99.97%
Property Type:
Single Family Residence 90.37%
Planned Unit Development 5.39%
Condominium 2.85%
Townhouse 0.96%
Other 0.43%
Loan Purpose:
Debt Consolidation 85.15%
Cash Out Refinance 10.19%
DC & HI Combo 3.28%
Other 1.38%
Geographic Concentration: CA: 9.59%
(States representing at least 5% of the FL: 6.96%
Group I principal balance as of the MD: 5.52%
Statistical Cut-off Date) PA: 5.21%
<PAGE>
Residential Funding Mortgage Securities II, Inc.
Home Loan Trust 2000-HI4
Computational Materials: Information Relating to the Collateral (Page 2 of 10)
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 Cut-off Percentage of
Date
Loan Rates (%) Home Loans Principal Balance Home Loan Pool
------------------------ --------------------------------------------------
9.001 to 9.500 8 $183,637.05 0.03%
9.501 to 10.000 12 280,201.16 0.05%
10.001 to 10.500 37 960,931.53 0.17%
10.501 to 11.000 51 1,417,896.79 0.26%
11.001 to 11.500 77 2,067,527.75 0.37%
11.501 to 12.000 504 18,663,099.59 3.36%
12.001 to 12.500 748 29,411,248.56 5.29%
12.501 to 13.000 2,666 105,814,508.90 19.05%
13.001 to 13.500 1,896 76,027,142.00 13.69%
13.501 to 14.000 3,085 119,740,413.95 21.56%
14.001 to 14.500 1,511 56,270,601.17 10.13%
14.501 to 15.000 1,830 65,852,325.80 11.85%
15.001 to 15.500 696 24,578,063.28 4.42%
15.501 to 16.000 213 7,049,062.38 1.27%
16.001 to 16.500 160 5,035,059.05 0.91%
16.501 to 17.000 802 24,038,518.76 4.33%
17.001 to 17.500 291 8,794,032.45 1.58%
17.501 to 18.000 288 8,486,724.29 1.53%
18.001 or greater 29 852,404.21 0.15%
---------------------------------------------------
Total 14,904 $555,523,398.67 100.00%
Current Home Loan Principal Balances
Range of Current Number of Statistical Cut-off Percentage of
Date
Home Loan Amounts Home Loans Principal Balance Home Loan Pool
---------------------- ------------------------------------------------
Up to 2,681 $56,402,118.39 10.15%
$25,000.00
$25,000.01 to 10,135 371,196,206.80 66.82%
$50,000.00
$50,000.01 to 2,078 127,069,822.89 22.87%
$75,000.00
$75,000.01 to 10 855,250.59 0.15%
$100,000.00
------------------------------------------------
Total 14,904 $555,523,398.67 100.00%
<PAGE>
Residential Funding Mortgage Securities II, Inc.
Home Loan Trust 2000-HI4
Computational Materials: Information Relating to the Collateral (Page 3 of 10)
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 Cut-off Percentage of
Date
Loan-to-Value Ratios Home Loans Principal Balance Home Loan Pool
(%)
---------------------- --------------------------------------------------
Up to 70.00 49 $1,394,360.24 0.25%
70.01 to 75.00 52 1,552,634.39 0.28%
75.01 to 80.00 159 4,285,228.61 0.77%
80.01 to 85.00 64 1,772,980.26 0.32%
85.01 to 90.00 142 4,068,545.83 0.73%
90.01 to 95.00 358 10,472,355.91 1.89%
95.01 to 100.00 486 14,948,264.87 2.69%
100.01 to 105.00 917 30,702,059.54 5.53%
105.01 to 110.00 1,558 54,446,030.96 9.80%
110.01 to 115.00 2,330 83,833,651.69 15.09%
115.01 to 120.00 2,869 109,595,290.40 19.73%
120.01 to 125.00 5,916 238,251,453.86 42.89%
Greater than 125.00 4 200,542.11 0.04%
--------------------------------------------------
Total 14,904 $555,523,398.67 100.00%
Months Remaining to Maturity
Months Remaining Number of Statistical Cut-off Percentage of
Date
to Maturity Home Loans Principal Balance Home Loan Pool
------------------------ ---------------------------------------------------
0 to 96 49 $1,280,665.75 0.23%
97 to 108 4 141,437.73 0.03%
109 to 120 576 17,730,095.86 3.19%
121 to 144 11 451,511.12 0.08%
145 to 156 9 280,984.31 0.05%
157 to 168 61 2,047,826.79 0.37%
169 to 180 6,728 230,574,821.05 41.51%
181 to 288 2,124 84,762,998.93 15.26%
289 to 300 5,341 218,232,057.13 39.29%
Greater than 300 1 21,000.00 0.00%
---------------------------------------------------
Total 14,904 $555,523,398.67 100.00%
<PAGE>
Residential Funding Mortgage Securities II, Inc.
Home Loan Trust 2000-HI4
Computational Materials: Information Relating to the Collateral (Page 4 of 10)
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 Cut-off Percentage of
Date
Year of Origination Home Loans Principal Balance Home Loan Pool
------------------------ ------------------------------------------------
1996 1 $37,137.43 0.01%
1997 6 184,657.05 0.03%
1998 29 951,999.27 0.17%
1999 167 6,005,536.75 1.08%
2000 14,701 548,344,068.17 98.71%
------------------------------------------------
Total 14,904 $555,523,398.67 100.00%
Geographic Distribution of Mortgaged Properties
Number of Statistical Cut-off Percentage of
Date
State Home Loans Principal Balance Home Loan Pool
------------------------ --------------------------------------------------
California 1,278 $53,283,154.00 9.59%
Florida 1,038 38,643,737.26 6.96%
Maryland 839 30,649,005.96 5.52%
Pennsylvania 796 28,969,498.87 5.21%
Virginia 744 27,573,194.35 4.96%
Ohio 631 23,110,850.36 4.16%
Illinois 527 19,955,729.87 3.59%
North Carolina 540 19,406,709.22 3.49%
Indiana 519 18,905,901.59 3.40%
Georgia 485 17,658,248.31 3.18%
Arizona 455 17,186,854.86 3.09%
Alabama 458 15,476,253.63 2.79%
Michigan 409 15,106,533.73 2.72%
Missouri 421 14,197,240.49 2.56%
New York 391 14,157,386.34 2.55%
Washington 362 14,084,308.47 2.54%
Colorado 320 13,687,133.56 2.46%
Wisconsin 306 11,285,447.53 2.03%
Other (<2%) 4,385 162,186,210.27 29.20%
--------------------------------------------------
Total 14,904 $555,523,398.67 100.00%
<PAGE>
Residential Funding Mortgage Securities II, Inc.
Home Loan Trust 2000-HI4
Computational Materials: Information Relating to the Collateral (Page 5 of 10)
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 Cut-off Percentage of
Date
Debt-to-Income Ratio (%) Home Loans Principal Balance Home Loan Pool
------------------------ ------------------------------------------------
Up to 20.00 95 $2,955,974.27 0.53%
20.01 to 25.00 384 12,602,844.06 2.27%
25.01 to 30.00 1,191 41,090,435.45 7.40%
30.01 to 35.00 2,232 78,792,505.32 14.18%
35.01 to 40.00 3,356 121,296,835.02 21.84%
40.01 to 45.00 5,155 189,491,076.06 34.11%
45.01 to 50.00 2,491 109,293,728.49 19.67%
-------------------------------------------------
Total 14,904 $555,523,398.67 100.00%
Credit Scores
Range of Number Statistical Cut-off Percentage of
Date
Credit Scores Home Loans Principal Balance Home Loan Pool
------------------------ -------------------------------------------------
620 to 639 19 $506,822.74 0.09%
640 to 659 1,417 41,974,489.99 7.56%
660 to 679 3,548 127,387,146.59 22.93%
680 to 699 3,726 141,800,072.41 25.53%
700 to 719 3,130 127,619,643.43 22.97%
720 to 739 1,795 69,877,841.94 12.58%
740 to 759 895 33,344,333.72 6.00%
760 to 779 312 11,024,839.93 1.98%
780 to 799 56 1,805,336.11 0.32%
800 or greater 6 182,871.81 0.03%
-------------------------------------------------
Total 14,904 $555,523,398.67 100.00%
<PAGE>
Residential Funding Mortgage Securities II, Inc.
Home Loan Trust 2000-HI4
Computational Materials: Information Relating to the Collateral (Page 6 of 10)
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION
OF THE COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT.
Loan Group II (as of the Statistical Cut-off Date)
Total Number of Loans: 491
Initial Principal Balance: $28,248,934.44
Average Loan Balance: $57,533.47
Wtd Avg Range
Home Loan Rate: 13.485% (9.870% - 17.874%)
Remaining Term (months): 248 (46 - 300)
Original Term (months): 250 (60 - 300)
Combined Loan-to-Value Ratio: 113.50%
Credit Score: 705
Debt-to-Income Ratio: 42.40%
Lien Position:
First Lien 0.00%
Junior Lien 100.00%
Property Type:
Single Family Residence 84.06%
Planned Unit Development 13.80%
Condominium 1.21%
Other 0.93%
Loan Purpose:
Debt Consolidation 80.34%
Cash Out Refinance 12.09%
DC & HI Combo 4.90%
Other 2.67%
Geographic Concentration: CA: 31.27%
(States representing at least 5% of the MD: 10.96%
Group II principal balance as of the VA: 9.23%
Statistical Cut-off Date)
<PAGE>
Residential Funding Mortgage Securities II, Inc.
Home Loan Trust 2000-HI4
Computational Materials: Information Relating to the Collateral (Page 7 of 10)
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 Cut-off Percentage of
Date
Loan Rates (%) Home Loans Principal Balance Home Loan Pool
---------------------- --------------------------------------------------
9.501 to 10.000 1 $16,515.51 0.06%
11.001 to 11.500 1 75,000.00 0.27%
11.501 to 12.000 23 1,417,733.24 5.02%
12.001 to 12.500 41 2,474,410.24 8.76%
12.501 to 13.000 114 7,130,719.62 25.24%
13.001 to 13.500 91 5,382,074.40 19.05%
13.501 to 14.000 105 6,226,286.87 22.04%
14.001 to 14.500 40 2,022,683.01 7.16%
14.501 to 15.000 44 2,150,649.79 7.61%
15.001 to 15.500 14 722,933.14 2.56%
15.501 to 16.000 1 49,987.20 0.18%
16.001 to 16.500 1 34,890.42 0.12%
16.501 to 17.000 12 440,289.96 1.56%
17.501 to 18.000 3 104,761.04 0.37%
--------------------------------------------------
Total 491 $28,248,934.44 100.00%
Current Home Loan Principal Balances
Range of Current Number of Statistical Cut-off Percentage of
Date
Home Loan Amounts Home Loans Principal Balance Home Loan Pool
---------------------- -----------------------------------------------
Up to 7 $140,700.55 0.50%
$25,000.00
$25,000.01 to 178 7,655,515.29 27.10%
$50,000.00
$50,000.01 to 293 19,249,909.23 68.14%
$75,000.00
$75,000.01 to 13 1,202,809.37 4.26%
$100,000.00
-----------------------------------------------
Total 491 $28,248,934.44 100.00%
<PAGE>
Residential Funding Mortgage Securities II, Inc.
Home Loan Trust 2000-HI4
Computational Materials: Information Relating to the Collateral (Page 8 of 10)
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 Cut-off Percentage of
Date
Loan-to-Value Ratios Home Loans Principal Balance Home Loan Pool
(%)
---------------------- ------------------------------------------------
Up to 70.00 2 $72,976.04 0.26%
70.01 to 75.00 1 16,515.51 0.06%
75.01 to 80.00 1 75,000.00 0.27%
80.01 to 85.00 1 43,028.85 0.15%
85.01 to 90.00 7 398,099.61 1.41%
90.01 to 95.00 16 800,275.42 2.83%
95.01 to 100.00 22 1,138,085.46 4.03%
100.01 to 105.00 36 2,017,158.92 7.14%
105.01 to 110.00 93 4,955,679.48 17.54%
110.01 to 115.00 101 5,528,384.88 19.57%
115.01 to 120.00 92 5,778,347.24 20.46%
120.01 to 125.00 119 7,425,383.03 26.29%
-----------------------------------------------
Total 491 $28,248,934.44 100.00%
Months Remaining to Maturity
Months Remaining Number of Statistical Cut-off Percentage of
Date
to Maturity Home Loans Principal Balance Home Loan Pool
------------------------ ------------------------------------------------
Up to 96 3 $152,792.46 0.54%
109 to 120 10 461,195.42 1.63%
145 to 156 1 57,887.35 0.20%
157 to 168 3 92,694.03 0.33%
169 to 180 152 8,372,096.67 29.64%
181 to 288 83 4,640,196.18 16.43%
289 to 300 239 14,472,072.33 51.23%
-------------------------------------------------
Total 491 $28,248,934.44 100.00%
<PAGE>
Residential Funding Mortgage Securities II, Inc.
Home Loan Trust 2000-HI4
Computational Materials: Information Relating to the Collateral (Page 9 of 10)
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 Cut-off Percentage of
Date
Year of Origination Home Loans Principal Balance Home Loan Pool
---------------------- ------------------------------------------------
1998 1 $49,584.14 0.18%
1999 7 331,602.55 1.17%
2000 483 27,867,747.75 98.65%
------------------------------------------------
Total 491 $28,248,934.44 100.00%
Geographic Distribution of Mortgaged Properties
Number of Statistical Cut-off Percentage of
Date
State Home Loans Principal Balance Home Loan Pool
------------------------ -------------------------------------------------
California 147 $8,832,965.00 31.27%
Maryland 52 3,096,780.54 10.96%
Virginia 43 2,606,697.56 9.23%
Illinois 25 1,217,099.15 4.31%
Pennsylvania 18 1,024,795.68 3.63%
Colorado 17 975,805.14 3.45%
Washington 16 867,365.70 3.07%
Massachusetts 15 839,924.42 2.97%
Ohio 15 821,207.35 2.91%
Michigan 13 716,354.29 2.54%
Arizona 12 681,391.17 2.41%
Florida 9 574,493.76 2.03%
Other (<2%) 109 5,994,054.68 21.22%
-------------------------------------------------
Total 491 $28,248,934.44 100.00%
<PAGE>
Residential Funding Mortgage Securities II, Inc.
Home Loan Trust 2000-HI4
Computational Materials: Information Relating to the Collateral (Page 10 of 10)
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 Cut-off Percentage of
Date
Debt-to-Income Ratio (%) Home Loans Principal Balance Home Loan Pool
----------------------- ----------------------------------------------
15.01 to 20.00 2 $99,103.80 0.35%
20.01 to 25.00 7 430,185.70 1.52%
25.01 to 30.00 24 1,313,677.66 4.65%
30.01 to 35.00 47 2,779,173.57 9.84%
35.01 to 40.00 82 4,812,172.49 17.03%
40.01 to 45.00 129 7,151,308.04 25.32%
45.01 to 50.00 200 11,663,313.18 41.29%
----------------------------------------------
Total 491 $28,248,934.44 100.00%
Credit Scores
Range of Number Statistical Cut-off Percentage of
Date
Credit Scores Home Loans Principal Balance Home Loan Pool
------------------------ --------------------------------------------------
640 to 659 18 $699,852.39 2.48%
660 to 679 82 3,915,552.55 13.86%
680 to 699 125 6,925,385.03 24.52%
700 to 719 149 9,213,435.76 32.62%
720 to 739 71 4,564,584.27 16.16%
740 to 759 29 1,874,050.36 6.63%
760 to 779 16 996,168.72 3.53%
780 to 799 1 59,905.36 0.21%
--------------------------------------------------
Total 491 $28,248,934.44 100.00%
<PAGE>
