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Adjustable Rate Conforming and Fixed/Adjustables
Conforming Mortgage rates are effective February 8, 2010 and are subject to change at any time. Rates locked in today for 60 days have an expiration date of April 9, 2010.
Rates apply to loans up to $417,000.
Rate Change Caps This is the maximum amount interest rates on Adjustable Rate Loans can change up or down. The first number is the amount they can change up or down on the first adjustment date. The second number is the amount they can change each subsequent year on the anniversary date. The third number is the maximum total change, up or down, over the life of the loan.
| Term / Property |
Points |
Interest Rate |
APR |
Initial / Annual / Life Rate Change Caps |
Margin / Index |
Estimated Monthly Payment per $1,000 |
1-Year ARM 30-year term Owner occupied, up to 95% of home value |
1 points |
4.125% |
3.20% |
2% / 2% / 6% |
2.75% / 0.31% |
$4.85 |
| 0 points |
5.125% |
3.19% |
2% / 2% / 6% |
2.75% / 0.31% |
$5.44 |
3/1 Fixed/Adjustable 30-year term, owner occupied, up to 95% of home value |
0.5 points |
4.250% |
3.35% |
2% / 2% / 6% |
2.75% / 0.31% |
$4.92 |
| 0 points |
4.500% |
3.36% |
2% / 2% / 6% |
2.75% / 0.31% |
$5.07 |
5/1 Fixed/Adjustable 30-year term, owner occupied, up to 95% of home value |
0.5 points |
4.000% |
3.42% |
2% / 2% / 5% |
2.75% / 0.31% |
$4.77 |
| 0 points |
4.250% |
3.47% |
2% / 2% / 5% |
2.75% / 0.31% |
$4.92 |
7/1 Fixed/Adjustable 30-year term, owner occupied, up to 95% of home value |
0.5 points |
5.000% |
4.03% |
5% / 2% / 5% |
2.75% / 0.31% |
$5.37 |
| 0 points |
5.250% |
4.11% |
5% / 2% / 5% |
2.75% / 0.31% |
$5.52 |
10/1 Fixed/Adjustable 30-year term, owner occupied, up to 95% of home value |
0.5 points |
5.125% |
4.42% |
5% / 2% / 5% |
2.75% / 0.31% |
$5.44 |
| 0 points |
5.375% |
4.54% |
5% / 2% / 5% |
2.75% / 0.31% |
$5.60 |
Fixed-Rate Conforming
Conforming Mortgage rates are effective February 8, 2010 and are subject to change at any time. Rates locked in today for 60 days have an expiration date of April 9, 2010.
Rates apply to loans up to $417,000. Option is not available on VA Loans.
NPNC = No Points, No Closing Costs program. The minimum loan for NPNC is $100,000.
| Term / Property |
Points |
Interest Rate |
APR |
Estimated Monthly Payment per $1,000 |
30-Year Fixed Owner occupied, up to 95% of home value |
2 points |
4.750% |
4.96% |
$5.22 |
| 1 point
| 4.875% |
4.99% |
$5.29 |
| 0 points |
5.125% |
5.16% |
$5.44 |
| NPNC
| 5.750% |
5.75% |
$5.84 |
20-Year Fixed Owner occupied, up to 95% of home value |
2 points |
4.625% |
4.91% |
$6.39 |
| 1 point
| 4.750% |
4.91% |
$6.46 |
| 0 points |
5.000% |
5.04% |
$6.60 |
| NPNC
| 5.625% |
5.62% |
$6.95 |
15-Year Fixed Owner occupied, up to 95% of home value |
2 points |
4.125% |
4.48% |
$7.46 |
| 1 point
| 4.250% |
4.45% |
$7.52 |
| 0 points |
4.500% |
4.56% |
$7.65 |
| NPNC
| 5.125% |
5.12% |
$7.97 |
|
0 points |
5.625% |
5.62% |
$5.76 |
|
0 points |
5.375% |
5.37% |
$5.60 |
Investment Property Loans
Investment Property Loans
Conforming Mortgage rates are effective February 8, 2010 and are subject to change at any time. Rates locked in today for 60 days have an expiration date of April 9, 2010.
Rates apply to loans up to $417,000.
| Term / Property |
Points |
Interest Rate |
APR |
Estimated Monthly Payment per $1,000 |
30-Year Fixed-Rate 1-4 family |
1.750 points |
5.250% |
5.44% |
$5.52 |
15-Year Fixed-Rate 1-4 family |
1.750 points |
4.500% |
4.82% |
$7.65 |
Fixed/Adjustable Jumbo Mortgages
Jumbo Mortgage rates are effective February 8, 2010 and are subject to change at any time. Rates locked in today for 60 days have an expiration date of April 9, 2010.
Rates apply to loans larger than $417,000. Further restrictions apply for loan amounts over $417,000 such as credit score, LTV, etc.
Rate Change Caps This is the maximum amount interest rates on Adjustable Rate Loans can change up or down. The first number is the amount they can change up or down on the first adjustment date. The second number is the amount they can change each subsequent year on the anniversary date. The third number is the maximum total change, up or down, over the life of the loan.
| Term / Property |
Points |
Interest Rate |
APR |
Initial / Annual / Life Rate Change Caps |
Margin / Index |
Estimated Monthly Payment per $1,000 |
Jumbo 3/1 Fixed/Adjustable Owner occupied, up to 90% of home value |
.50 point
| 4.875% |
3.59% |
2% / 2% / 6% |
2.875% / 0.31% |
$5.29 |
| 0 points |
5.125% |
3.60% |
2% / 2% / 6% |
2.875% / 0.31% |
$5.44 |
Jumbo 5/1 Fixed/Adjustable Owner occupied, up to 90% of home value |
.50 point
| 4.000% |
3.50% |
2% / 2% / 5% |
2.875% / 0.31% |
$4.77 |
| 0 points |
4.250% |
3.55% |
2% / 2% / 5% |
2.875% / 0.31% |
$4.92 |
Jumbo 7/1 Fixed/Adjustable Owner occupied, up to 90% of home value |
.50 point
| 5.625% |
4.41% |
5% / 2% / 5% |
2.875% / 0.31% |
$5.76 |
| 0 points |
5.875% |
4.50% |
5% / 2% / 5% |
2.875% / 0.31% |
$5.92 |
Jumbo 10/1 Fixed/Adjustable Owner occupied, up to 90% of home value |
.50 point |
5.750% |
4.88% |
5% / 2% / 5% |
2.875% / 0.31% |
$5.84 |
| 0 points |
6.000% |
5.01% |
5% / 2% / 5% |
2.875% / 0.31% |
$6.00 |
Fixed-Rate Jumbo
Jumbo Mortgage rates are effective February 8, 2010 and are subject to change at any time. Rates locked in today for 60 days have an expiration date of April 9, 2010.
Rates apply to loans larger than $417,000. Further restrictions apply for loan amounts over $417,000 such as credit score, LTV, etc.
| Term / Property |
Points |
Interest Rate |
APR |
Estimated Monthly Payment per $1,000 |
Jumbo 30-Year Fixed Owner occupied, up to 90% of home value |
2 points |
6.000% |
6.22% |
$6.00 |
| 1 point
| 6.125% |
6.26% |
$6.08 |
| 0 points |
6.375% |
6.41% |
$6.24 |
Jumbo 15-Year Fixed Owner occupied, up to 90% of home value |
2 points |
4.125% |
4.48% |
$7.46 |
| 1 point
| 4.250% |
4.45% |
$7.52 |
| 0 points |
4.500%
| 4.56% |
$7.65 |
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