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. |