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. |
6.125 | 1.000 | 6.265 |
| 6.250 | 0.625 | 6.355 | |
| 6.375 | 0.375 | 6.456 | |
| 6.500 | 0.000 | 6.545 | |
| 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. |
5.625 | 1.000 | 5.855 |
| 5.750 | 0.750 | 5.941 | |
| 5.875 | 0.375 | 6.008 | |
| 6.000 | 0.000 | 6.074 | |
| 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. |
5.125 | 1.000 | 5.008 |
| 5.250 | 0.750 | 5.016 | |
| 5.375 | 0.625 | 5.035 | |
| 5.500 | 0.250 | 5.032 | |
| 5.625 | 0.000 | 5.040 | |
| 5/1 ARM Rate remains fixed for five years, then becomes an ARM for the remaining 25 years. Points include origination fee and discount. For loans between $125,000 and $417,000. Taking cash out can affect your rate. Margin 2.75%. 2/2/6 caps. |
5.250 | 1.000 | 5.100 |
| 5.375 | 0.625 | 5.114 | |
| 5.500 | 0.375 | 5.139 | |
| 5.625 | 0.125 | 5.164 | |
| 5.750 | 0.000 | 5.201 | |
| 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. |
7.375 | 1.000 | 6.108 |
| 7.500 | 0.500 | 6.110 | |
| 7.625 | 0.375 | 6.150 | |
| 7.750 | 0.125 | 6.177 | |
| 7.875 | 0.000 | 6.217 | |
| 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 |
1.950 | 1.000 | 5.423 |
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. Taking cash out can affect your rate. |
7.250 | 1.000 | 7.378 |
| 7.375 | 0.250 | 7.427 | |
| 7.500 | 0.000 | 7.526 | |
| 7.625 | -0.250 | 7.626 | |
| 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. Taking cash out can affect your rate. |
6.625 | 1.000 | 6.827 |
| 6.750 | 0.625 | 6.892 | |
| 6.875 | 0.250 | 6.956 | |
| 7.000 | 0.000 | 7.041 | |
| 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. |
1.950 | 1.000 | 5.408 |
| 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. |