BestRate4u: Rate Sheet

Last update: March 5, 2008 11:02 AM PST

Conforming Loan Programs
Conforming rates for loans under $417,000 For loans over $417,000 see jumbo rates.

All rates quoted for minimum loan amounts of $150,000. Minimum loan amount for no point no fee $150,000 purchase transaction, $175,000 for Refinance. All quotes require Escrow/Impound Account for property taxes and insurance. Loan amounts below $150,000 and greater than $125,000 add .125 to the points. Loan amounts below $125,000 and greater than $100,000 add. 375 to the points. Call for quote below $100,000.

Program	Rates	Points	APR
30 yr fixed conforming add additional .5 to points for cash out refi's with ltv's greater than 70 up to 80%	6.000	0.000	6.099
	5.875	1.000	6.068
	5.625	2.250	5.934


15 yr fixed conforming add .5 to pts for cash out refi's ltv's >70% up to 80%	5.375	0.000	5.538
	5.250	0.750	5.529
	5.000	1.500	5.395
	4.875	1.875	5.327

3/1 ARM Same day lock in available. See our lock in policy. 30 year term




30/5 yr fixed or 5/1 ARM Fixed rate for five years. Initial / subsequent annual / lifetime percentage adjustment caps, 5/2/5. 30 year term	5.375	0.000	5.523
	4.875	1.125	5.434
	4.500	2.000	5.371


30/7 yr fixed or 7/1 ARM posted rates are for the 7/1 ARM. call for 7/23 quotes. 30 year term	5.875	0.000	5.767
	5.125	1.000	5.479
	4.625	2.125	5.332


10/1 ARM Fixed rate for ten years. Initial / subsequent annual / lifetime percentage adjustment caps, 5/2/5. 30 year term




Adjustable One year adjustable with margin of 2.75% over the one year treasury index, no negative amortization, lifetime cap of 6%. No prepayment penalty. Minimum loan of $100,000.

Jumbo Loan Programs
Jumbo rates for loans over $417,000.
For rates for loans under $417,000 see conforming rates.

Program	Rates	Points	APR
30 yr fixed jumbo and .25 for cash out ltv's > than 70% max LTV 75% for cash out.




15 yr fixed jumbo and .25 for cash out ltv's > 70%. Max ltv for cash out = 75%.




3/1 jumbo ARM Cash out refi's add .25 to fee. 2/2/6 caps over one year treasury 2.75 margin. 30 year term




5/1 jumbo ARM Cash out refi's add .25 to fee. 5/2/5 caps over one year treasury 2.75 margin. 30 year term




7/1 jumbo ARM Fixed rate for seven years. Initial / subsequent annual / lifetime percentage adjustment caps, 5/2/5. 30 year term




10/1 jumbo ARM Fixed rate for ten years. Initial / subsequent annual / lifetime percentage adjustment caps, 5/2/5. 30 year term




Adjustable One year adjustable with margin of 2.75% over the 1 year treasury index, no negative amortization, lifetime cap of 6%.

Government Loan Programs

Program	Rates	Points	APR
30 yr fixed FHA




15 yr fixed FHA




FHA Adjustable




30 yr fixed VA




15 yr fixed VA