| Programs | Option 1 | Option 2 | Option 3 | ||||||
| RATE | APR | POINTS | RATE | APR | POINTS | RATE | APR | POINTS | |
| 30 Year Fixed | 5.75 | 6.375 | 1 | 5.875 | 6.50 | .5 | 6.125 | 6.79 | 0 |
| 15 Year Fixed | 5.0 | 5.625 | 1 | 5.25 | 5.875 | .5 | 5.375 | 6.125 | 0 |
| 1 Year ARM | 5.125 | 5.625 | 1 | N/A | N/A | ||||
| Rates are subject to
borrower qualification and are also subject to change.
APR is based on 20% down payment and a $300,000 mortgage. These rates reflect a mortgage on a loan over $207,000 for a borrower that would qualify for an A graded loan. Borrowers with "Slow Credit" will be graded individually based on credit history, debt to income ratio, and loan to value on the subject property. For a more detailed explanation please go to the "Slow Credit Programs" section of AVAILABLE PROGRAMS. Other Variable Programs are available, such as 3/1, 5/1 and 7/1, as well as Construction to Permanent Loan Programs. Go to the Loan Officer Chat Room for more details. These rates reflect Owner Occupied Single Family Homes. There is a 1.5 % add on to points for Fixed rate investment products and a 1% add on to rate, plus 1% to the points for adjustable investment products. |
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