Rates
|
| Term |
Interest Rate |
Points |
*APR |
Maximum Loan Amount |
Payment Per Thousand |
| 15 Year Fixed** |
3.750% |
0 |
3.871% |
$417,000.00 |
$7.27 |
| 15 Year Fixed** |
N/A |
1.00 |
N/A |
$417,000.00 |
N/A |
| 30 Year Fixed** |
4.500% |
0 |
4.573% |
$417,000.00 |
$5.07 |
| 30 Year Fixed** |
4.250% |
1.00 |
4.407% |
$417,000.00 |
$4.92 |
| 30 Yr. Fixed Super Conforming** |
4.625% |
0 |
4.658% |
$523,750.00*** |
$5.14 |
| 3/1 Adj. |
4.250% |
0 |
4.002% |
$417,000.00 |
$4.92 |
| 3/1 Adj. Jumbo |
4.500% |
0 |
4.049% |
$800,000.00 |
$5.07 |
| 5/1 Adj. |
4.500% |
0 |
4.144% |
$417,000.00 |
$5.07 |
| 5/1 Adj. Jumbo |
4.750% |
0 |
4.311% |
$800,000.00 |
$5.22 |
| Home Equity Loan |
4.50% |
0 |
4.682% |
$300,000.00 |
$7.65 |
| Home Equity Line |
4.250% |
0 |
4.250% |
$150,000.00 |
n/a |
| * APR- Annual Percentage Rate |
| * Rates and programs are subject to change. |
| * APR's assume a 20% down payment. The 5/1 ARM assumes a 30 year term with the interest rate fixed for the initial 60 months of the loan; the 3/1 ARM assumes a 30 year term with the interest rate fixed for the initial 36 months of the loan; thereafter the rate and payment may adjust every 12 months; interest rate caps of 2% annual and 6% lifetime, and a 2.625% margin. |
| *Rates assume a 740 minimum credit score and a 80% maximum Loan To Value (LTV). |
| **Rates based on a single family residence, owner occupied purchase transaction with borrower paid closing costs. |
| ***Amount varies by location- please call for details. |
| Ex: The 3/1 ARM with a thirty year term will be 36 months at the disclosed rate of 4.250% and potentially 324 months at 3.875% (fully indexed rate) with an APR of 4.004%. The fully indexed rate is based upon the margin plus the index at time of closing. |
| Ex: The 3/1 Jumbo ARM with a thirty year term will be 36 months at the disclosed rate of 4.500% and potentially 324 months at 3.875% (fully indexed rate) with an APR of 4.050%. The fully indexed rate is based upon the margin plus the index at time of closing. |
| Ex: The 5/1 ARM with a thirty year term will be 60 months at the disclosed rate of 4.500% and potentially 300 months at 3.875% (fully indexed rate) with an APR of 4.146%. The fully indexed rate is based upon the margin plus index at time of closing. |
| Ex: The 5/1 Jumbo ARM with a thirty year term will be 60 months at the disclosed rate of 4.750% and potentially 300 months at 3.875% (fully indexed rate) with an APR of 4.312%. The fully indexed rate is based upon the margin plus index at time of closing. |
| The payments listed above do not include taxes and/or insurance. Your payment may/will be greater if your loan is secured by a first lien. |
