Mortgage Rates
Please note: The interest rate and points listed for all programs are available for borrowers with an excellent credit history. The actual interest rate and points available to you will be based on your credit score, loan to value, property type, cash out transaction, loan limits and any subordinate financing.
Effective Date: 9/2/2010
Adjustable Rate Mortgages |
| Program | Maximum Term | Interest Rate | Points | Annual Percentage Rate | Monthly P&I* PER $1,000 |
| 5/3 Program | 40 Years | 4.500% | 1 | 3.952% | $4.50 |
| 5/3 Program | 30 Years | 4.250% | 1 | 3.932% | $4.92 |
| 3 Year ARM | 30 Years | 3.750% | 1 | 3.735% | $4.63 |
| 7/3 Year ARM | 30 Years | 4.875% | 1 | 4.311% | $5.29 |
Owner-Occupied Mortgage Loans
Down Payment: 20%
Maximum Loan: $417,000
* (P&I) Principal and Interest
-Convertible rate option may be available for qualified applicants.
-High LTV financing available for many owner/occupied programs w/PMI. Ask Loan Officer for details and APR.
-No point option available for Owner Occupied Products Fixed Rate and Adjustable Rate Mortgages. Ask Loan Officer for APR.
-Above rates and information are for single family owner occupied residence only.
Adjustable Rate Mortgage Caps & Indexes
| For 7/3 Year ARM - owner occupied |
3 Year Treasury
Index 0.77 |
Margin 2.875% |
Caps 2%-6% |
For 3 Year &
5/3 Year ARM - owner occupied |
3 Year Treasury
Index 0.77 |
Margin 2.875% |
Caps 2%-6% |
| For 3 Year & 5/3 Year ARM - non-owner occupied |
3 Year Treasury
Index 0.77 |
Margin 3.000% |
Caps 3%-6% |
Effective Date: 9/2/2010
Fixed Rate Mortgages |
| Program | Maximum Term | Interest Rate | Points | Annual Percentage Rate | Monthly P&I* PER $1,000 |
| 30 Years | 30 Years | 4.375% | 0 | 4.405% | $4.99 |
| 20 Years | 20 Years | 4.250% | 0 | 4.292% | $6.19 |
| 15 Years | 15 Years | 3.875% | 0 | 3.928% | $7.33 |
| 10 Years | 10 Years | 3.750% | 0 | 3.826% | $10.01 |
Owner-Occupied Mortgage Loans
Down Payment: 20%
Fixed Rate Loan Limits: $417,000
Above rates and information are for single family owner occupied residence only.
Effective Date: 9/2/2010
Non-Owner Occupied Mortgage Loans |
| Program | Maximum Term | Interest Rate | Points | Annual | Monthly P&I* PER $1,000 |
| 3 Year ARM | 25 Years | 4.625% | 1 | 4.076% | $5.63 |
| 5/3 Year ARM | 25 Years | 5.125% | 1 | 4.418% | $5.92 |
Above rates and information are for single family non-owner occupied mortgage loans only.
Down Payment: 30%
Maximum Loan: $417,000
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