Residential Loan Rates

Residential First Mortgage

Type	Term	Interest Rate	APR*	Payment per $1,000
10 Year Fixed	10	2.625%	2.950%	$9.48
15 Year Fixed	15	2.750%	2.974%	$6.79
15 Year Fixed Bi-Weekly	15	2.750%	2.992%	$3.40
20 Year Fixed	20	3.000%	3.175%	$5.55
25 Year Fixed	25	3.125%	3.270%	$4.81
30 Year Fixed	30	3.250%	3.376%	$4.35
30 Year Fixed Bi-Weekly	30	3.250%	3.389%	$2.18

Type	Term	Interest Rate	APR*	Payment per $1,000
1/1/30 ARM	30	1.875%	3.380%	$3.63
3/1/30 ARM	30	2.500%	3.305%	$3.95
5/1/30 ARM	30	2.625%	3.238%	$4.02
5/5/30 ARM	30	2.750%	3.765%	$4.08
7/1/30 ARM	30	2.875%	3.268%	$4.15
10/1/30 ARM	30	3.250%	3.425%	$4.35

Type	Term	Interest Rate	APR*	Payment per $1,000
10 Year Fixed	10	3.250%	3.584%	$9.77
15 Year Fixed	15	3.375%	3.606%	$7.09
20 Year Fixed	20	3.500%	3.681%	$5.80
25 Year Fixed	25	3.875%	4.029%	$5.21
30 Year Fixed	30	4.000%	4.134%	$4.77

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	2.625%	2.950%	$9.48
15 Year Fixed	15	2.750%	2.974%	$6.79
15 Year Fixed Bi-Weekly	15	2.750%	2.992%	$3.40
20 Year Fixed	20	3.000%	3.175%	$5.55
25 Year Fixed	25	3.125%	3.270%	$4.81
30 Year Fixed	30	3.250%	3.376%	$4.35
30 Year Fixed Bi-Weekly	30	3.250%	3.389%	$2.18

Type	Term	Interest Rate	APR*	Payment per $1,000
1/1/30 ARM	30	1.875%	3.380%	$3.63
3/1/30 ARM	30	2.500%	3.305%	$3.95
5/1/30 ARM	30	2.625%	3.238%	$4.02
5/5/30 ARM	30	2.750%	3.765%	$4.08
7/1/30 ARM	30	2.875%	3.268%	$4.15
10/1/30 ARM	30	3.250%	3.425%	$4.35

Type	Term	Interest Rate	APR*	Payment per $1,000
10 Year Fixed	10	3.750%	4.091%	$10.01
15 Year Fixed	15	3.875%	4.113%	$7.33
20 Year Fixed	20	4.000%	4.186%	$6.06
25 Year Fixed	25	4.375%	4.534%	$5.49
30 Year Fixed	30	4.500%	4.640%	$5.07

Max LTV: 80% up to $1,500,000, 75% $1,500,001 to $2,000,000 70% for loans over $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.

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

Investment Properties

Max LTV: 70% up to $2MM; 65% for loans above $2MM

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.

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