Residential Loan Rates

Residential First Mortgage

Type	Term	Interest Rate	APR*	Payment per $1,000
10 Year Fixed	10	5.500%	5.869%	$10.85
15 Year Fixed	15	5.990%	6.256%	$8.43
15 Year Fixed Bi-Weekly	15	5.750%	6.038%	$4.15
20 Year Fixed	20	6.500%	6.719%	$7.46
25 Year Fixed	25	6.750%	6.940%	$6.91
30 Year Fixed	30	6.875%	7.047%	$6.57
30 Year Fixed Bi-Weekly	30	6.750%	6.943%	$3.25

Type	Term	Interest Rate	APR*	Payment per $1,000
1/1/30 ARM	30	4.500%	6.677%	$5.07
3/1/30 ARM	30	5.000%	6.460%	$5.37
5/1/30 ARM	30	5.250%	6.316%	$5.52
5/5/30 ARM	30	5.500%	6.264%	$5.68
7/1/30 ARM	30	6.250%	6.655%	$6.16
10/1/30 ARM	30	6.750%	6.920%	$6.49

Type	Term	Interest Rate	APR*	Payment per $1,000
10 Year Fixed	10	6.000%	6.377%	$11.10
15 Year Fixed	15	6.500%	6.774%	$8.71
20 Year Fixed	20	7.000%	7.226%	$7.75
25 Year Fixed	25	7.500%	7.701%	$7.39
30 Year Fixed	30	7.625%	7.808%	$7.08

Conforming & Super Conforming

Max loan amount of $970,800.

Down payment of less than 20% requires PMI resulting in higher payments and APR.

Condo/Townhouse max 75% LTV.

Cash Out Refinance transactions add 0.125% to the above stated rates.

*APR= Annual Percentage Rate. APR based on a $100,000 loan.

Investment Properties

Max LTV of 70% - Max loan amount $970,800.

Condo/Townhouse reduce the stated LTV by 5%

Cash Out Refinance transactions add 0.125% to the above stated rates.

*APR= Annual Percentage Rate. APR based on a $100,000 loan.

Type	Term	Interest Rate	APR*	Payment per $1,000
10 Year Fixed	10	5.500%	5.869%	$10.85
15 Year Fixed	15	5.990%	6.256%	$8.43
15 Year Fixed Bi-Weekly	15	5.750%	6.038%	$4.15
20 Year Fixed	20	6.500%	6.719%	$7.46
25 Year Fixed	25	6.750%	6.940%	$6.91
30 Year Fixed	30	6.875%	7.047%	$6.57
30 Year Fixed Bi-Weekly	30	6.750%	6.943%	$3.25

Type	Term	Interest Rate	APR*	Payment per $1,000
1/1/30 ARM	30	4.500%	6.677%	$5.07
3/1/30 ARM	30	5.000%	6.460%	$5.37
5/1/30 ARM	30	5.250%	6.316%	$5.52
5/5/30 ARM	30	5.500%	6.264%	$5.68
7/1/30 ARM	30	6.250%	6.655%	$6.16
10/1/30 ARM	30	6.750%	6.920%	$6.49

Type	Term	Interest Rate	APR*	Payment per $1,000
10 Year Fixed	10	6.000%	6.377%	$11.10
15 Year Fixed	15	6.500%	6.774%	$8.71
20 Year Fixed	20	7.000%	7.226%	$7.75
25 Year Fixed	25	7.500%	7.701%	$7.39
30 Year Fixed	30	7.625%	7.808%	$7.08

Max LTV: 80% up to $2,000,000

Condo/Townhouse reduce the stated LTV’s by 5%.

Cash Out Refinance transactions add 0.125% to the above stated rates.

Loan amounts over $2MM call for rates, terms and conditions.

*APR= Annual Percentage Rate. APR based on a $100,000 loan.

Investment Properties

Max LTV: 70% up to $2,000,000

Condo/Townhouse reduce the stated LTV’s by 5%.

Cash Out Refinance transactions add 0.125% to the above stated rates.

Loan amounts over $2MM call for rates, terms and conditions.

*APR= Annual Percentage Rate. APR based on a $100,000 loan.