Loans from $100,000 - 159,999 Add .125 to the rate Loans from $80,000 - 99,999 Add .375 to the rate Loans from $70,000 - 79,999 Add .500 to the rate Loans less than $70,000 -- Call for Quote

Last update: August 7, 2008 09:48 AM MST

Conforming Loan Programs Rates for loans under $417,000.	Jumbo Loan Programs Rates for loans over $417,000.
Conforming 30 Years Fixed Rates Points APR 6.625 0.000 6.649 6.500 0.500 6.572 6.375 1.000 6.495 * 6.875 0.000 6.899 *No Cost Refinance	Jumbo 30 Years Fixed Rates Points APR 7.750 0.000 7.763 7.625 0.500 7.689 7.500 1.000 7.616 * 8.125 0.000 8.138 *No Cost Refinance
Conforming 15 Years Fixed Rates Points APR 6.375 0.000 6.414 6.125 1.000 6.322 5.750 2.000 6.104 * 6.750 0.000 6.789 *No Cost Refinance	Jumbo 15 Years Fixed Rates Points APR 6.250 0.000 6.269 6.125 0.500 6.223 6.000 1.000 6.177 * 7.375 0.000 7.395 *No Cost Refinance
Conforming 1/1 ARM Rates Points APR 6.625 0.000 5.433 6.250 1.000 5.492	Jumbo 1/1 ARM Rates Points APR 6.875 0.000 5.444 6.375 1.000 5.491
Conforming 3/1 ARM Rates Points APR 5.750 0.500 5.474 5.625 1.000 5.489	Jumbo 3/1 ARM Rates Points APR 5.750 0.000 5.417 5.500 1.000 5.447
Conforming 5/1 ARM Rates Points APR 5.875 0.500 5.586 5.625 1.000 5.535	Jumbo 5/1 ARM Rates Points APR 5.875 0.000 5.528 5.625 1.000 5.523
Conforming 7/1 ARM Rates Points APR 6.125 0.500 5.784 5.875 1.000 5.702	Jumbo 7/1 ARM Rates Points APR 6.125 0.000 5.725 5.875 1.000 5.691
Conforming 10/1 ARM Rates Points APR 6.500 0.000 6.155 6.250 1.000 6.084	Jumbo 10/1 ARM Rates Points APR 6.500 0.000 6.144 6.250 1.000 6.072

Interest Only Conforming Loan Programs Rates for loans under $417,000.	Interest Only Jumbo Loan Programs Rates for loans over $417,000.
Interest Only Conforming 3/1 ARM Rates Points APR 6.375 0.500 5.630 6.000 1.000 5.583	Interest Only Jumbo 3/1 ARM Rates Points APR 6.625 0.000 5.635 6.375 1.000 5.666
Interest Only Conforming 5/1 ARM Rates Points APR 6.000 0.500 5.634 5.750 1.000 5.583	Interest Only Jumbo 5/1 ARM Rates Points APR 6.000 0.000 5.577 5.750 1.000 5.572
Interest Only Conforming 7/1 ARM Rates Points APR 6.250 0.500 5.849 6.000 1.000 5.767	Interest Only Jumbo 7/1 ARM Rates Points APR 6.250 0.000 5.790 6.000 1.000 5.755
Interest Only Conforming 10/1 ARM Rates Points APR 6.500 0.000 6.155 6.250 1.000 6.084	Interest Only Jumbo 10/1 ARM Rates Points APR 8.125 0.000 7.280 7.875 1.000 7.207

30 Year Fixed Interest Only Rates Points APR 6.875 0.000 6.899

6 Month LIBOR Interest Only Rates Points APR 6.875 0.000 6.914

IMPORTANT INFORMATION WHICH MAY AFFECT YOUR LOAN APPLICATION: National mortgage guidelines have changed for 2nd mortgage loans which are being paid off at closing and all cash out refinances. If the 2nd mortgage being paid off was not used to purchase the home, then we now consider the refinance as a cash out refinance and the fees listed below apply. Previously we would not consider paying off a 2nd mortgage, which had 12 months seasoning a cash out refinance and no fees would apply. All cash out refinances are now subject to the additional fees listed below. Loan To Value 70.00% or less = NO FEE | 70.01% - 80% = .50% discount fee | 80.01% - 90% = .75% discount fee If you do not pay off the 2nd mortgage then of course there is no fee.

Terms & conditions:
*	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.
*	Rates quoted above offer only general pricing guideline per today's market, rates are not guaranteed and subject to change without notice.
*	Base rates assume borrowers with preferred credit history, full documents provided and sufficient saving/reserve. The property financed is owner-occupied single family residence. LTV/CLTV of 80% or lower. Generally, 30 day rate lock is considered.
*	Rates may be higher for conforming loan amount under $160,000 or jumbo loan amount over $650,000. Price add-on may apply for cash-out refi and subordination financing.
*	Borrowers with income not supported by verifiable documents are subject to higher rates.
*	Certain restriction may apply and all loan are subject to underwriting approval.
*	Minimum loan amount for no cost refinance is $150,000.

Sun State Savings 8765 East Bell Road Suite #107 Scottsdale, AZ 85260 Phone:  (480) 585-1616 Fax:  (480) 585-8565 info@SunStateSavings.com P o w e r e dby