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| RETIRE YOUR MORTGAGE... |
| 10 year |
| 7 year |
| 5 year |
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| Conforming Loans |
| 15 year |
| 20 year |
| 30 Year |
| 40 year |
| Jumbo Loans |
| 30 year |
| 15 year |
| Adjustable Rate Mortgages |
| 5/1 ARM |
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RETIRE YOUR MORTGAGE...
with our Short Term Fixed Rate Mortgages
No Closing Costs!
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10 year
Term: 10 years
Maximum Amount: $417,000
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| Rates | APR | Points |
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| 3.375% | 3.375% | 0% |
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7 year
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| Rates | APR | Points |
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| 3.25% | 3.25% | 0% |
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5 year
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| Rates | APR | Points |
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| 3.125% | 3.125% | 0% |
| | NO CLOSING COST
**Closing costs paid by the lender include credit report, document preparation, tax service and similar fees. You are responsible for property taxes, insurance, homeowner association dues and for any required down payment, transfer taxes, and owner's title policy on purchases. Subject to an early closure fee up to $1,500, if the loan is closed within 24 months. |
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Payment example: A $100,000, owner-occupied loan up to 80% LTV with a 5 year term at 3.125% APR has a monthly payment of $1,802.43, a 7 year term at 3.250% APR has a monthly payment of $1,332.63, and a 10 year term at 3.375% APR has a monthly payment of $983.01. Loans are available for primary residence properties, and must be located in the following Southern California counties: Orange; Los Angeles; San Bernardino; Riverside; San Diego; or Ventura
Rates and terms are as of 10/25/2011, subject to credit approval and subject to change without notice. Some restrictions apply.
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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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| 2.75% | 3.08% | 1.5% | | 2.875% | 3.1% | 0.5% | | 3% | 3.119% | 0% |
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20 year
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| Rates | APR | Points |
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| 3.375% | 3.635% | 1.5% | | 3.5% | 3.678% | 0.75% | | 3.625% | 3.719% | 0% |
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30 Year
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| Rates | APR | Points |
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| 3.625% | 3.813% | 0.75% | | 3.75% | 3.879% | 1.5% | | 3.875% | 3.943% | 0% |
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40 year
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| Rates | APR | Points |
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| 4.25% | 4.409% | 1.5% | | 4.375% | 4.484% | 0.75% | | 4.5% | 4.558% | 0% |
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Jumbo Loans
Loan amount from $417,000 to $729,000. Maximum loan to value 80%.
Term: 30 years
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30 year
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| Rates | APR | Points |
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| 3.875% | 4.057% | 1.125% | | 4% | 4.122% | 0.5% | | 4.125% | 4.196% | 0% |
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15 year
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| Rates | APR | Points |
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| 3.25% | 3.336% | 1.5% | | 3.375% | 3.43% | 0.5% | | 3.5% | 3.523% | 0% |
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Adjustable Rate Mortgages
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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 3% over the start rate.
Term: 30 years
Maximum Amount: $417,000
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| Rates | APR | Points |
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| 3% | 3.066% | 0% |
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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.
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