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| RETIRE YOUR MORTGAGE... |
| 5 year |
| 7 Year |
| 10 year |
| 15 Year |
| 30 Year |
| Conforming Loans |
| 15 year |
| 20 year |
| 30 Year |
| Conforming High Balance Fixed Rate Product |
| 30 year |
| 15 year |
| Adjustable Rate Mortgages |
| 3/1 ARM |
| 5/1 ARM |
| 7/1 ARM |
| Jumbo Fixed Rate Special |
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RETIRE YOUR MORTGAGE...
with our Short Term Fixed Rate Mortgages. NO CLOSING COSTS!
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5 year
Term: 5 years
Maximum Amount: $417,000
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| Rates | APR | Points |
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| 3.875% | 3.875% | 0% |
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7 Year
Term: 7 years
Maximum Amount: $417,000
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10 year
Term: 10 years
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| Rates | APR | Points |
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| 4.125% | 4.125% | 0% |
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15 Year
Term: 15 years
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| Rates | APR | Points |
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| 4.25% | 4.25% | 0% |
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30 Year
Term: 30 years
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| Rates | APR | Points |
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| 4.75% | 4.75% | 0% |
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NO CLOSING COST
***No closing cost options apply to refinance only. Closing costs paid by the lender include appraisal, credit report, document preparation, tax service, and similar fees. You are responsible for property taxes, insurance, and homeowner association dues. The 5 and 10 Year options are subject to an early closure fee up to $1,500, if the loan is closed within 24 months. The 30 and 15 Year options - Loan amounts from $300K to $417K are priced as shown. Loan amounts $250K - $299,999 add .125 to the rate. Loan amounts $200K - $249,999 add .25 to the rate. |
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Conforming Loans
Loan amount up to $417,000. Maximum loan to value of 90% with a minimum credit score of 680.
Term: 30 years
Maximum Amount: $417,000
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15 year
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| Rates | APR | Points |
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| 3.75% | 4.09% | 1.5% | | 3.875% | 4.107% | 0.75% | | 4% | 4.123% | 0% |
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20 year
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| Rates | APR | Points |
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| 4.125% | 4.393% | 1.5% | | 4.25% | 4.433% | 0.75% | | 4.375% | 4.472% | 0% |
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30 Year
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| Rates | APR | Points |
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| 4.25% | 4.445% | 1.5% | | 4.375% | 4.509% | 0.75% | | 4.5% | 4.634% | 0% |
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Conforming High Balance Fixed Rate Product
Limits based on Geographic Location
Term: 30 years
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30 year
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| Rates | APR | Points |
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| 4.375% | 4.51% | 1.25% | | 4.5% | 4.593% | 1% | | 4.625% | 4.719% | 0.5% |
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15 year
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| Rates | APR | Points |
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| 3.875% | 4.198% | 1.5% | | 4% | 4.269% | 0.75% | | 4.125% | 4.301% | 0.5% |
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Adjustable Rate Mortgages
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3/1 ARM
The APR for adjustable rate mortgages are based on the weekly average of the 1-year Constant Maturity Treasury rate. The APR's are based on closing cost of $2,500 on loan amounts of $300,000. Adjustable Rate Mortgages include a margin of 2.500% with a maximum cap rate per adjustment of 1% and ceiling rate of 4% over the start rate.
Term: 30 years
Maximum Amount: $417,000
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| Rates | APR | Points |
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| 3.375% | 3.417% | 0% |
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5/1 ARM
The APR for adjustable rate mortgages are based on the weekly average of the 1-year Constant Maturity Treasury rate. The APR's are based on closing cost of $2,500 on loan amounts of $300,000. Adjustable Rate Mortgages include a margin of 2.500% with a maximum cap rate per adjustment of 1% and ceiling rate of 4% over the start rate.
Term: 30 years
Maximum Amount: $417,000
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| Rates | APR | Points |
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| 3.625% | 3.668% | 0% |
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7/1 ARM
The APR for adjustable rate mortgages are based on the weekly average of the 1-year Constant Maturity Treasury rate. The APR's are based on closing cost of $2,500 on loan amounts of $300,000. Adjustable Rate Mortgages include a margin of 2.500% with a maximum cap rate per adjustment of 1% and ceiling rate of 4% over the start rate.
Term: 30 years
Maximum Amount: $417,000
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Jumbo Fixed Rate Special
FICO Score must be 750 or greater
Term: 30 years
Maximum Amount: $750,000
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| Rates | APR | Points |
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| 4.5% | 4.673% | 0% |
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Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $484,350 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $625,500 with closing costs of $12,510. Your actual APR may be different depending upon these factors.
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