Last update: July 27, 2006 06:32 PM EST
40 Year Loans | Conforming | Jumbo | Interest-Only Conforming | Interest-Only Jumbo | Government
| Program | Rates | Points | APR |
| 40 Year Ideal Pearl Solutions A 40 yr fixed loan program designed to lower your payments. This could make the deference in your budget. Minimum loan amount of $175,000.00 to $2,000,000.00. Call for details Toll free 866-786-9898 |
6.750 | 1.000 | 6.920 |
| 40 Year Ideal Black Pearl Solutions A 40 yr Index loan, that lets you pick payment the lowest monthly payment plan, interest only payment, 30 Yr fixed payment, or 15 Yr fixed payment. You pick the payment that benefits your budget. This program could meet your needs. Minimum loan amount of $175,000.00 to $6,000,000.00. Call for details 407-786-9898. |
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Conforming rates for loans to $417,000.
| Program | Rates | Points | APR |
| 30 Year Ideal Diamond Solutions The Lowest Rate available with discount Points on our 30 yr fixed program. Call for details. 407-786-9898 |
6.375 | 1.000 | 6.541 |
| 30 Year Ideal Emerald Solutions Fantastic rate program with no discount points and we pay for the appraisal. Call for details. Toll Free 866-786-9898 |
6.625 | 0.000 | 6.695 |
| 30 Year Ideal Ruby Solutions Ideal Fee Buster programs, Low closing cost "Zero Lender Fee" program, save hundreds of dollars call for details. 407-786-9898 |
6.875 | 0.000 | 6.946 |
| 30 Year Ideal Sapphire Solutions Dislike paying closing cost or short on funds, save thousands of dollars best deal on the market "ZERO". That's right Zero closing cost! Call for details, Toll Free 866-786-9898 |
7.125 | 0.000 | 7.197 |
| 15 Year Ideal Diamond Solutions The Lowest Rate available with discount points on our 15 yr fixed program save thousands. Call for details. 407-786-9898 |
6.000 | 1.500 | 6.352 |
| 15 Year Ideal Emerald Solutions Fantastic rate program with no discount points and we pay for the appraisal, save thousands on interest alone when you lower your term, call for details. Toll Free 866-786-9898 |
6.375 | 0.000 | 6.488 |
| 15 Year Ideal Ruby Solutions Ideal Fee Buster program, Zero Lender fee program you save hundreds on closing cost and thousands on interest. Minimum loan amount $175,000.00 to $417,000.00. Call for Details. 407-786-9898 |
6.625 | 0.000 | 6.739 |
| 15 Year Ideal Sapphire Solutions Best closing cost loan on the market "ZERO". That's right, Zero closing cost! and save thousands more by lowering your 30 yr to 15-year mortgage, call for details. Toll Free 866-786-9898 |
6.875 | 0.000 | 6.990 |
| 3/1 ARM |
6.125 | 1.000 | 7.617 |
| 30/5 yr fixed or 5/1 ARM |
6.125 | 1.500 | 7.224 |
| 1 year ARM |
5.500 | 1.500 | 7.886 |
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Jumbo rates for loans over $417,000.
| Program | Rates | Points | APR |
| 30 Year Jumbo Ideal Diamond Solutions The Lowest Rate available with discount Points on our 30 yr fixed jumbo program. Minimum loan amount of $418,000.00 to $650,000.00. We have other programs that have much higher loan limit available. Call for details, 407-786-9898 |
6.500 | 1.000 | 6.632 |
| 30 Year Jumbo Ideal Emerald Solutions Fantastic rate program with no discount points and we pay for the appraisal. Minimum loan amount of $418,000.00 to $650,000.00. Call for details. Toll Free 866-786-9898 |
6.750 | 0.000 | 6.785 |
| 30 Year Jumbo Ideal Ruby Solutions Ideal Fee Buster program, this is our "Zero" lender fee program save hundreds of dollars. Minimum loan amount of $418,000.00 to $650,000.00 Call for details 407-786-9898 |
7.000 | 0.000 | 7.035 |
| 30 Year Jumbo Ideal Sapphire Solutions Dislike paying closing cost. Best deal in the market, "ZERO". Closing cost That's right Zero! Minimum loan amount of $418,000.00 to $650,000. Call for details. Toll Free 866-786-9898 |
7.250 | 0.000 | 7.286 |
| 15 Year Jumbo Ideal Diamond Solutions The Lowest Rate available with discount points on our 15 yr fixed jumbo program. Save thousands. Minimum loan amount of $418,000.00 to $650,000.00. Want a larger loan amount, call for details. 407-786-9898 |
5.875 | 2.500 | 6.329 |
| 15 Year Jumbo Ideal Emerald Solutions Fantastic rate program with no discount points and we pay for the appraisal save thousands on interest alone when you lower your term. Minimum loan amount of $418,000.00 to $650,000.00. Call for Details. 407-786-9898 |
6.625 | 0.000 | 6.682 |
| 15 Year Jumbo Ideal Ruby Solutions Ideal Fee Buster program, Zero Lender fee program and save hundreds on closing cost and thousands on interest. Minimum loan mount $418,000.00 to $650,000.00. Call for Details. 407-786-9898 |
6.875 | 0.000 | 6.932 |
| 15 Year Jumbo Ideal Sapphire Solutions Best closing cost loan on the market "ZERO". That's right, Zero closing cost! and save thousands more by lowering your 30 yr mortgage to 15-year mortgage. Minimum loan amount of $418,000.00 to $650,000. Call for details, 407-786-9898. |
6.875 | 0.000 | 6.932 |
| 3/1 jumbo ARM |
6.250 | 1.500 | 7.701 |
| 5/1 jumbo ARM |
6.375 | 1.500 | 7.498 |
| 1 year ARM |
6.125 | 1.500 | 7.997 |
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Conforming rates for loans to $417,000.
| Program | Rates | Points | APR |
| 30 yr fixed conforming Interest-Only |
6.750 | 1.500 | 6.950 |
| 3/1 ARM Interest-Only |
6.375 | 1.500 | 7.734 |
| 5/1 ARM Interest-Only |
6.375 | 1.500 | 7.498 |
| 1 Year Arm Interest-Only |
5.500 | 1.500 | 7.886 |
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Jumbo rates for loans over $417,000.
| Program | Rates | Points | APR |
| 30 yr fixed jumbo Interest-Only |
6.750 | 1.500 | 6.918 |
| 3/1 ARM jumbo Interest-Only |
6.375 | 1.500 | 7.734 |
| 5/1 ARM jumbo Interest-Only |
6.375 | 1.500 | 7.498 |
| 1 Year Arm Interest-Only |
6.125 | 1.500 | 7.997 |
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| Program | Rates | Points | APR |
| FHA Adjustable | |||
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APRs are calculated based on a Conforming loan amount of $240,000, or a Jumbo loan amount of $480,000. Points/fees/rates may vary for different loan amounts.
Appraisal Fee is paid up front by Borrower. Ideal Mortgage Solutions will reimburse Borrower up to $325.00 when loan closes and funds if program qualifies, if loan does not close & fund, Borrower's appraisal fee is not refunded and borrower will receive appraisal. $0.00 lenders fee is line 800 thru 825 on our Good Faith Estimate, these fees are paid by IMS if program qualifies. Ideal Fee Buster program is based on minimum loan amount of $175,000 & up. Ideal Mortgage Solutions Programs are based on Fannie Mae guidelines with loan programs up to $417,000.00 rates are based on a 30 day lock all other programs are non-conforming. All programs subject to credit ratings, market conditions, and offers are subject to change without notice.