Fixed Conforming (Loan Amounts up to $560,000)
Effective Date: Saturday, January 18, 2020
Program Name | Rate | Points | Annual Percentage Rate | Monthly Payment per $1,000 Borrowed^ | |
|---|---|---|---|---|---|
| 30 Years Fixed | 3.500% | 0.00% | 3.514% | $4.49 | |
| 25 Years Fixed | 3.500% | 0.00% | 3.517% | $5.01 | |
| 20 Years Fixed | 3.375% | 0.00% | 3.395% | $5.74 | |
| 15 Years Fixed | 3.125% | 0.00% | 3.133% | $6.97 | |
| 10 Years Fixed | 3.000% | 0.00% | 3.012% | $9.66 | |
| Lot Loan** | 4.000% | 1.00% | 4.268% | $7.40 |
Investor Loans available. Contact for information.
Interest rates and terms are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan to value, term, credit score, and other variables. Please call for details.
** 15 year amortization with 5 year balloon. Purchase only.
^ Payments do not include amount for taxes and insurance premiums if applicable and the actual payment obligation will be higher.
SUBJECT TO CREDIT APPROVAL
Adjustable Rate Mortgage (ARM) Conforming (Loan Amounts up to $560,000)
Effective Date: Saturday, January 18, 2020
| Program Name | Rate | Points | Annual Percentage Rate | Monthly Payment per $1,000 Borrowed^ | |
|---|---|---|---|---|---|
| 7/1 ARM years 1-7* | 3.250% | 0.00% | 3.260% | $4.35 | |
| ...years 8-30 | 4.000% | 0.00% | 4.000% | $4.77 | |
| 5/1 ARM years 1-5* | 3.125% | 0.00% | 3.138% | $4.28 | |
| ...years 6-30 | 4.000% | 0.00% | 4.000% | $4.77 | |
| 3/1 ARM years 1-3* | 2.875% | 0.00% | 2.895% | $4.15 | |
| ...years 4-30 | 4.000% | 0.00% | 4.000% | $4.77 | |
| 1/1 ARM* | 2.750% | 0.00% | 3.886% | $4.08 |
Interest rates and terms are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan to value, term, credit score, and other variables. Please call for details.
* Interest rate is fixed during the initial period, then converts to a 1 Year Treasury ARM. Initial periods are: 7/1 ARM - 84 months; 5/1 ARM - 60 months; 3/1 ARM - 36 months; 1/1 ARM - 12 months. Payments are amortized over 30 years. After the Initial Period, the rate may vary and the payment may increase.
^ Payments do not include amount for taxes and insurance premiums if applicable and the actual payment obligation will be higher.
Jumbo Fixed (Loan Amounts $560,001 to $1,000,000)
Effective Date: Saturday, January 18, 2020
Program Name | Rate | Points | Annual Percentage Rate | Monthly Payment per $1,000 Borrowed^ | |
|---|---|---|---|---|---|
| 30 Years Fixed | 3.875% | 0.00% | 3.877% | $4.70 | |
| 25 Years Fixed | 3.875% | 0.00% | 3.878% | $5.21 | |
| 20 Years Fixed | 3.750% | 0.00% | 3.753% | $5.93 | |
| 15 Years Fixed | 3.250% | 0.00% | 3.254% | $7.03 | |
| 10 Years Fixed | 3.125% | 0.00% | 3.131% | $9.71 |
Interest rates and terms are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan to value, term, credit score, and other variables. Please call for details.
* Interest rate is fixed during the initial period, then converts to a 1 Year Treasury ARM. Initial periods are: 7/1 ARM - 84 months; 5/1 ARM - 60 months; 3/1 ARM - 36 months; 1/1 ARM - 12 months. Payments are amortized over 30 years. After the Initial Period, the rate may vary and the payment may increase.
** 15 year amortization with 5 year balloon. Purchase only.
^ Payments do not include amount for taxes and insurance premiums if applicable and the actual payment obligation will be higher.
# Above $1,000,000 other rates and terms may apply.
Jumbo Adjustable loans available also.
SUBJECT TO CREDIT APPROVAL
Construction Permanent Loan
Effective Date: Saturday, January 18, 2020
| Program Name | Rate | Points | Annual Percentage Rate | Monthly Payment Per $1,000 Borrowed^ |
|---|---|---|---|---|
| 30 Year Fixed | 3.875% | 1.00% | 4.017% | $4.70 |
12 month construction period followed by a 30 year amortization. Other terms available. Call for additional rate/APR on other terms.
Interest rates and terms are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan to value, term, credit score, and other variables. Please call for details.
^ Payments do not include amount for taxes and insurance premiums if applicable and the actual payment obligation will be higher.
SUBJECT TO CREDIT APPROVAL
