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Rates	Points	APR
Experience the joy of homeownership! The variety of Home Loan programs offered by Foothill Federal Credit Union gives you greater flexibility in obtaining just the right financing option for your next Home Loan.

Conforming Loans
15 year
20 year
30 Year
40 year
Jumbo Loans
30 year
15 year
Conforming Adjustable Rate Mortgages
5/1 ARM
7/1 ARM

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

15 year
3.75%	1%	4.017%
3.875%	0.5%	4.07%
4%	0%	4.123%

20 year
Rates	Points	APR
4.125%	1%	4.143%
4.25%	0.5%	4.196%
4.375%	0%	4.472%

30 Year
Rates	Points	APR
4.25%	1%	4.403%
4.375%	0.5%	4.487%
4.5%	0%	4.571%

40 year
Rates	Points	APR
4.875%	1%	5.007%
5%	0.5%	5.097%
5.125%	0%	5.186%

Jumbo Loans Loan amount from $417,000 to $729,000. Maximum loan to value 80%. Term: 30 years

30 year
Rates	Points	APR
4.625%	0.875%	4.707%
4.75%	0.25%	4.778%
4.875%	0%	4.881%



15 year
Rates	Points	APR
4%	2.125%	4.328%
4.125%	1.125%	4.302%
4.25%	0.25%	4.297%

Conforming Adjustable Rate Mortgages Amortized over 30 years. Index is the Constant Maturity Treasury (CMT) = 2.50% margin-maximum caps of 2% per year and 5% over the life of the loan. Maximum loan to value of 90% with a credit score of 720 or above. Term: 5 years Maximum Amount: $417,000

5/1 ARM Term: 30 years Maximum Amount: $417,000
Rates	Points	APR
5.25%	1%	3.671%
5.375%	0.5%	3.664%
5.5%	0%	3.657%

7/1 ARM Term: 30 years Maximum Amount: $417,000
Rates	Points	APR
5.25%	1%	3.915%
5.375%	0.5%	3.919%
5.5%	0%	3.924%

Rates shown are subject to change anytime without notice and are not intended to be inclusive or a commitment to the pricing for which you may qualify. Pricing is based on credit history, loan to value (LTV), occupancy, property type, loan amount, loan purpose, and income/financial obligations. The annual percentage rate (APR) for first trust deeds in this disclosure are based on the term stated including applicable points and customary closing costs. The APR for conforming adjustable rate mortgages is based on the weekly average of the 1-year Constant Maturity Treasury rate and for Jumbo adjustable rate mortgages is based on the 1 year LIBOR. The APR's are based on closing cost of $2,500, Conforming loan amounts of $300,000, and Jumbo loan amounts of $700,000.00. Adjustable Rate Mortgages include a margin of 2.500% and Jumbos 2.250% with a maximum cap rate per adjustment of 2% and ceiling rate of 5% over the start rate. Jumbo pricing is based on 70% LTV. Programs available for residential single family, townhouse, condominiums or PUD properties located in California; condominiums and PUD type properties may have a higher rate and additional pricing adjustments due to property type. Non-owner occupied programs are available
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 $417,000 with closing costs of $8,340. 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 $625,500 with closing costs of $12,510. Your actual APR may be different depending upon these factors.