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| 30 year fixed |
| 30 year fixed interest only |
| 15 year fixed |
| 20 year fixed |
| 5/1 libor arm interest only |
| 7/1 arm interest only |
| 7/1 libor arm |
| NO COST 30 year fixed |
| 7/1 libor arm interest only Jumbo |
| 10 year fixed |
| 7/1 Jumbo Arm Purchase |
| 5/1 libor jumbo purchase |
Rates last updated on Thursday, November 20, 2008
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30 year fixed
Please call or email for the latest rates.
Fast and easy way to get back to the traditional 30 year fixed rate.
Term: 30 years
Maximum Amount: $417,000
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| Rates | Points | APR |
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| 5.25% | 2% | 5.459% |
| 5.5% | 1% | 5.619% |
| 5.625% | 0% | 5.653% |
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30 year fixed interest only
This product allows you the comfort of a 30 year fixed rate.
Payments are lower that the fully amortizing 30 year fixed rates even though the rate is higher.
The payments are interest only for the first 10 years of the loan.
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| Rates | Points | APR |
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| 6.5% | 0% | 6.526% |
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15 year fixed
Please call or email for updated rates.
Term: 15 years
Maximum Amount: $417,000
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| Rates | Points | APR |
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| 5.125% | 1% | 5.325% |
| 5.375% | 0% | 5.422% |
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20 year fixed
Term: 20 years
Maximum Amount: $417,000
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| Rates | Points | APR |
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| 5.5% | 0.5% | 5.598% |
| 5.75% | 0% | 5.787% |
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5/1 libor arm interest only
5 year fixed product. no prepay.
Term: 30 years
Maximum Amount: $417,000
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| Rates | Points | APR |
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| 5.75% | 0% | 5.649% |
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7/1 arm interest only
Term: 30 years
Maximum Amount: $417,000
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| Rates | Points | APR |
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| 6.5% | 0% | 6.547% |
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7/1 libor arm
Term: 30 years
Maximum Amount: $417,000
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| Rates | Points | APR |
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| 6% | 1% | 6.046% |
| 6.125% | 0% | 6.016% |
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NO COST 30 year fixed
Keep your costs down by getting a NO CLOSING cost loan. This program allows you to refinance without adding any fees on top of your current loan balance. Many clients like this way of refinancing their current mortgage without the cost.
You can also take cash out to pay higher rate credit card debt.
Term: 30 years
Maximum Amount: $417,000
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| Rates | Points | APR |
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| 6.125% | 0% | 6.125% |
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7/1 libor arm interest only Jumbo
This is for someone who is over that $417,000 loan size and still wants a quality rate on their big loan. This loan is up to 70% of your homes value on the refinance program.
Term: 30 years
Maximum Amount: $2,000,000
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| Rates | Points | APR |
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| 5.75% | 0% | 5.763% |
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This program does not require you to list any assets on the application. There is no impound account required. Primary residence 650 fico for employed, 700 fico for self employed.
Purchase and Second home programs avialable.
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10 year fixed
Term: 10 years
Maximum Amount: $417,000
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| Rates | Points | APR |
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| 5.125% | 1% | 5.411% |
| 5.375% | 0% | 5.441% |
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7/1 Jumbo Arm Purchase
Term: 30 years
Maximum Amount: $150,000
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| Rates | Points | APR |
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| 5.75% | 0% | 5.763% |
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5/1 libor jumbo purchase
Term: 30 years
Maximum Amount: $600,000
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| Rates | Points | APR |
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| 5.375% | 0% | 5.532% |
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Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $165,000 with closing costs of $495. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $435,000 with closing costs of $695. Your actual APR may be different depending upon these factors.
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