|
| |
| Conforming 30 Year Fixed Loan |
| Conforming 20 Year Fixed Loan |
| Conforming 15 Year Fixed Loan |
| Conforming 10 Year Fixed Loan |
| Conforming 7 Year Fixed Loan |
| Conforming 3 Year Adjustable Rate Mortgage |
| Conforming 5 Year Adjustable Rate Mortgage |
| Conforming 7 Year Adjustable Rate Mortgage |
| Conforming 10 Year Adjustable Rate Mortgage |
| Jumbo 30 Year Fixed Loan |
| Jumbo 15 Year Fixed Mortgage |
| Jumbo 5 Year Adjustable Rate Mortgage |
| Jumbo 7 Year Adjustable Rate Mortgage |
| FHA 30 Year Fixed Loan |
| FHA 15 Year Fixed Loan |
| VA 30 Year Fixed Loan |
| VA 15 Year Fixed Loan |
| Home Equity Line of Credit |
| Second Mortgage |
| Land Loan Products |
Rates last updated on Monday, January 30, 2012
|
Conforming 30 Year Fixed Loan
Options
-
No Origination Option
-
Rate Buy Down Option
The right loan for you if:
-
You plan on staying in the home long term
-
You need a fixed, stable monthly payment the life of the loan
Term: 30 years
Maximum Amount: $417,000
|
| Rates | APR | Points |
|---|
| 3.625% | 3.771% | 0% |
| 3.75% | 3.887% | -0.125% |
| 3.875% | 4.002% | -0.25% |
| |
There may have better options if:
|
 |
Conforming 20 Year Fixed Loan
Options
-
No Origination Option
-
Rate Buy Down Option
The right loan for you if:
-
You plan on staying in the home long term
-
You need a fixed, stable monthly payment the life of the loan
-
You are looking to payoff loan faster
Term: 20 years
Maximum Amount: $417,000
|
| Rates | APR | Points |
|---|
| 3.5% | 3.704% | 0% |
| 3.625% | 3.815% | -0.125% |
| 3.75% | 3.869% | -0.75% |
| |
|
There may have better options if:
|
|
Conforming 15 Year Fixed Loan
Options
-
No Origination Option
-
Rate Buy Down Option
The right loan for you if:
-
You plan on staying in the home long term.
-
You are looking to save money on interest payback.
-
You are looking to payoff your loan sooner.
Term: 15 years
Maximum Amount: $417,000
|
| Rates | APR | Points |
|---|
| 2.875% | 3.133% | 0% |
| 3% | 3.241% | -0.125% |
| 3.125% | 3.311% | -0.5% |
| |
|
There may have better options if:
|
|
Conforming 10 Year Fixed Loan
Options
-
No Origination Option
-
Rate Buy Down Option
The right loan for you if:
-
You plan on staying in the home long term.
-
You are looking to save money on interest pay back.
-
You are looking to payoff your loan faster.
Term: 10 years
Maximum Amount: $417,000
|
| Rates | APR | Points |
|---|
| 2.75% | 3.126% | 0% |
| 2.875% | 3.225% | -0.125% |
| |
|
There may be better options if:
|
|
Conforming 7 Year Fixed Loan
The right loan for you if:
-
You plan on staying in the home long term.
-
You need a fixed, stable monthly payment the life of the loan.
-
You would like to payoff your loan with the minimum amount of interest payback.
-
You are looking to payoff your loan quickly.
Term: 7 years
Maximum Amount: $417,000
|
| Rates | APR | Points |
|---|
| 4% | 4.536% | 0% |
| |
|
|
|
Conforming 3 Year Adjustable Rate Mortgage
Options
- No Origination Option
- Rate Buy Down Option
This is the right loan for you if:
- You are staying in the home less than 3 years and want monthly savings.
- You need lower payments while preparing to sell you home.
Their may be better options if:
- Your intentions are to stay in the home over 3 years.
- You are looking to payoff home quickly.
Term: 30 years
Maximum Amount: $417,000
|
| Rates | APR | Points |
|---|
| 2.75% | 3.11% | 0% |
|
Conforming 5 Year Adjustable Rate Mortgage
Options
- No Origination Option
- Rate Buy Down Option
This is the right loan for you if:
- You are staying in the home less than 5 years and want monthly savings.
- You need lower payments while preparing to sell you home.
There may be better options if:
- Your intentions are to stay in the home over 5 years.
- You are looking to payoff home quickly.
Term: 30 years
Maximum Amount: $417,000
|
| Rates | APR | Points |
|---|
| 2.875% | 3.281% | 0% |
|
Conforming 7 Year Adjustable Rate Mortgage
Options
- No Origination Option
- Rate Buy Down Option
This is the right loan for you if:
- You are staying in the home less than 7 years and want monthly savings.
- You need lower payments while preparing to sell you home.
There may be better options if:
- Your intentions are to stay in the home over 7 years.
- You are looking to payoff home quickly.
Term: 30 years
Maximum Amount: $417,000
|
| Rates | APR | Points |
|---|
| 2.75% | 3.238% | 0% |
|
Conforming 10 Year Adjustable Rate Mortgage
Options
- No Origination Option
- Rate Buy Down Option
This is the right loan for you if:
- You are staying in the home less than 10 years and want monthly savings.
- You need lower payments while preparing to sell you home.
There may be better options if:
- Your intentions are to stay in the home over 10 years.
- You are looking to payoff home quickly.
Term: 30 years
Maximum Amount: $417,000
|
| Rates | APR | Points |
|---|
| 3.25% | 4.04% | 0% |
|
Jumbo 30 Year Fixed Loan
Options:
- No Origination Option
- Rate Buy Down Option
It is the right loan for you if:
- You plan on staying in your home long term.
- You need a fixed, stable monthly payment for the life of the loan.
- Your Loan Amount is over $417,000.
There may be better options if:
- You are planning on retiring soon and don't want a mortgage payment.
- You want an instant impact on your mortgage balance.
Term: 30 years
Maximum Amount: $1,000,000
|
| Rates | APR | Points |
|---|
| 5.25% | 5.522% | 0.5% |
|
Jumbo 15 Year Fixed Mortgage
Options:
- No Origination Option
- Rate Buy Down Option
It is the right loan for you if:
- You plan on staying in your home long term.
- You need a fixed, stable monthly payment for the life of the loan.
- You are looking to payoff you loan sooner.
- Your Loan Amount is over $417,000.
There may be better options if:
- You are planning on retiring soon and don't want a mortgage payment.
- You need a lower payment help monthly cash flow.
Term: 15 years
Maximum Amount: $1,000,000
|
| Rates | APR | Points |
|---|
| 5.125% | 5.629% | 0.75% |
|
Jumbo 5 Year Adjustable Rate Mortgage
Options
- No Origination
- Rate Buy Down
This is the right loan for you if:
- You are staying in your home less than 5 Years.
- You would like a lower rate than a 30 year fixed.
- You have a loan over $417,000
There may be better options if:
- Your intentions are to stay in the home over 5 years.
- You are looking to pay off home quickly.
Term: 30 years
Maximum Amount: $1,000,000
|
| Rates | APR | Points |
|---|
| 4% | 4.061% | 0.625% |
|
Jumbo 7 Year Adjustable Rate Mortgage
Options
- No Origination
- Rate Buy Down
This is the right loan for you if:
- You are staying in your home less than 7 Years.
- You would like a lower rate than a 30 year fixed.
- You have a loan over $417,000
There may be better options if:
- Your intentions are to stay in the home over 7 years.
- You are looking to pay off home quickly.
Term: 30 years
Maximum Amount: $1,000,000
|
| Rates | APR | Points |
|---|
| 4.375% | 4.411% | 0.5% |
|
FHA 30 Year Fixed Loan
Term: 30 years
Maximum Amount: $252,000
|
| Rates | APR | Points |
|---|
| 3.625% | 3.771% | 0% |
| 3.75% | 3.814% | -1% |
|
FHA 15 Year Fixed Loan
Term: 15 years
Maximum Amount: $252,000
|
| Rates | APR | Points |
|---|
| 3% | 3.259% | 0% |
|
VA 30 Year Fixed Loan
- Up to 100% Financing on Purchase transactions!
- Allows seller to pay most loan costs as part of the purchase agreement
- Lenient qualifying terms
- May only be used for Primary Residence
Term: 30 years
Maximum Amount: $417,000
|
| Rates | APR | Points |
|---|
| 3.75% | 3.897% | 0% |
| 3.875% | 3.94% | -1% |
|
VA 15 Year Fixed Loan
Up to 100% Financing on Purchase transactions!
Allows seller to pay most loan costs as part of the purchase agreement
Lenient qualifying terms
May only be used for Primary Residence
Term: 15 years
Maximum Amount: $417,000
|
| Rates | APR | Points |
|---|
| 3.5% | 3.763% | 0% |
|
Home Equity Line of Credit
Tied to the Index of Prime Rate. Currently at Floor of 5%.
Maximum Amount: $150,000
|
|
Second Mortgage
Starting from 6.75% APR
Term: 15 years
Maximum Amount: $150,000
|
|
Land Loan Products
|
|
|
Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $200,000 with closing costs of $3,565. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $418,000 with closing costs of $10,361. Your actual APR may be different depending upon these factors.
|