Residential Loan Rates

Residential First Mortgage

Type	Term	Interest Rate	APR*	Payment per $1,000
10 Year Fixed	10	4.375%	4.726%	$10.30
15 Year Fixed	15	4.500%	4.746%	$7.65
15 Year Fixed Bi-Weekly	15	4.500%	4.768%	$3.83
20 Year Fixed	20	4.625%	4.819%	$6.39
25 Year Fixed	25	4.625%	4.787%	$5.63
30 Year Fixed	30	4.990%	5.136%	$5.36
30 Year Fixed Bi-Weekly	30	4.990%	5.153%	$2.68

Type	Term	Interest Rate	APR*	Payment per $1,000
1/1/30 ARM	30	3.000%	5.590%	$4.22
3/1/30 ARM	30	3.250%	5.252%	$4.35
5/1/30 ARM	30	3.500%	5.036%	$4.49
5/5/30 ARM	30	3.625%	5.109%	$4.56
7/1/30 ARM	30	4.000%	5.034%	$4.77
10/1/30 ARM	30	4.250%	4.940%	$4.92

Type	Term	Interest Rate	APR*	Payment per $1,000
10 Year Fixed	10	4.875%	5.234%	$10.55
15 Year Fixed	15	5.000%	5.253%	$7.91
20 Year Fixed	20	5.250%	5.452%	$6.74
25 Year Fixed	25	5.625%	5.800%	$6.22
30 Year Fixed	30	5.750%	5.906%	$5.84

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	4.250%	4.599%	$10.24
15 Year Fixed	15	4.375%	4.619%	$7.59
15 Year Fixed Bi-Weekly	15	4.375%	4.641%	$3.80
20 Year Fixed	20	4.500%	4.693%	$6.33
25 Year Fixed	25	4.500%	4.661%	$5.56
30 Year Fixed	30	4.875%	5.020%	$5.29
30 Year Fixed Bi-Weekly	30	4.875%	5.036%	$2.65

Type	Term	Interest Rate	APR*	Payment per $1,000
1/1/30 ARM	30	3.000%	5.590%	$4.22
3/1/30 ARM	30	3.250%	5.252%	$4.35
5/1/30 ARM	30	3.500%	5.036%	$4.49
5/5/30 ARM	30	3.625%	5.109%	$4.56
7/1/30 ARM	30	4.000%	5.034%	$4.77
10/1/30 ARM	30	4.250%	4.940%	$4.92

Type	Term	Interest Rate	APR*	Payment per $1,000
10 Year Fixed	10	4.875%	5.234%	$10.55
15 Year Fixed	15	5.000%	5.253%	$7.91
20 Year Fixed	20	5.250%	5.452%	$6.74
25 Year Fixed	25	5.625%	5.800%	$6.22
30 Year Fixed	30	5.750%	5.906%	$5.84

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.