Last update: December 26, 2008 08:28 AM MST

Conforming Loan Programs
PLEASE NOTE: "Points" include both the origination fee AND discount points.

Program Rates Points APR
30 yr fixed conforming
"Points" include origination fee and any discount points. Rates shown assume a loan size of at least $125,000, but not more than $417,000. Taking cash out can affect your rate. Rates posted assume a middle credit score of at least 720.
4.875 1.000 5.006
5.000 0.625 5.098
5.125 0.375 5.202
5.250 0.250 5.316
5.375 0.000 5.419
15 yr fixed conforming
"Points" include origination fee and discount points. Rates shown assume a loan size of at least $125,000, but not more than $417,000. Taking cash out can affect your rate. Rates posted assume a middle credit score of at least 720.
4.750 1.000 4.976
4.875 0.750 5.063
5.000 0.375 5.131
5.125 0.000 5.199
3/1 ARM
Rates and APR based on loan amounts between $125,000 and 417,000. "Points" include origination fee and discount. Margin is 2.75%. 2/2/6 caps. Taking cash out can affect your rate. Rates posted assume a middle credit score of at least 720.
6.000 1.000 4.459
6.125 0.750 4.467
6.250 0.625 4.486
6.375 0.250 4.483
6.500 0.000 4.492
5/1 ARM
Fixed for 5 years, then becomes an ARM for the remaining 25 years. Points include origination fee and discount. Loans between $125,000 and $417,000. Taking cash out can affect rate. Margin 2.75%. 2/2/6 caps. Rates posted assume a 720 middle credit scor
6.625 1.000 5.013
6.750 0.625 5.028
6.875 0.375 5.054
7.000 0.125 5.081
7.125 0.000 5.120
5 Year Balloon
Rate remains fixed for five years, then can be extended for the remaining 25 years at a fixed rate. Points include origination fee and discount. For loans between $125,000 and $359,650. Taking cash out can affect your rate.Rates posted assume a middle c
7.875 1.000 5.695
8.000 0.500 5.697
8.125 0.375 5.738
8.250 0.125 5.766
8.375 0.000 5.807
Adjustable
Rates and APR based on loan amounts between $25,000 and $600,000 with a maximum loan to value of 80%. Start rate is 1.75. Index is 3.14%. Margin is 2.8%. Payment may adjust by 7.5% annually. Life cap of 11.95%. Bi-weekly available. Cash out can affect
6.750 1.000 6.135

Jumbo Loan Programs
Jumbo rates for loans between $417,000 and $600,000.

Program Rates Points APR
30 yr fixed jumbo
Rates and APR based on loan amounts between $359,650 and $649,999. "Points" includes both origination fee and discount points. Rates posted assume a middle credit score of at least 720.Taking cash out can affect your rate.
6.500 1.000 6.623
6.625 0.250 6.675
6.750 0.000 6.776
6.875 -0.250 6.876
15 yr fixed jumbo
Rates and APR based on loan amounts between $359,650 and $649,999. "Points" includes both origination fee and discount points. Rates posted assume a middle credit score of at least 720.Taking cash out can affect your rate.
6.375 1.000 6.576
6.500 0.625 6.642
6.625 0.250 6.707
6.750 0.000 6.792
Adjustable
Rates and APR based on loan amounts between $25,000 and $600,000, max 80% loan to value. Start rate is 1.75%. Index is 3.14%. Margin is 2.8%. Payment may adjust by 7.5% annually. Life cap is 11.95%. Bi-weekly available. Cash out affects rate.
7.875 1.000 6.221
Rates and fees quoted are based on a 20% down payment. Other rates may apply to loan amounts outside of the loan parameters listed. Rates are subject to change without notice.