Thursday, July 2, 2009

 

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*All conforming programs posted reflect the total origination fee and discount points required.

Quotes are based on a Purchase and Rate/Term Refinance of Primary Residence.

20 day lock period applies.         

10 Day Closings for Qualified Purchases!  Call for details.

 

LOAN TERM

RATE

ORIG/POINTS

APR

LOAN TYPE: CONFORMING

30 YEAR

FIXED

*4.875

1.000

4.998

COMMENTS:
1. *Rates shown are based on loans greater than $360,000 and credit score =>750. **Rates shown are based on loans greater than $360,000 and credit score =>720. ***Note: No points/no origination, based on $360,000 & credit score =>740

2. Certain restrictions may apply based on, but not limited to: credit scores, loan to value requirements, escrow waivers, occupancy, and refinance type.

3. Points or rate could adjust depending on LTV and FICO at time of final credit report.  Lower rates potentially available for paying points in addition to origination fee.

 

30 YEAR

FIXED

***5.250

0.000

5.326

15 YEAR

FIXED

*4.625

 

1.000

4.837



 

LOAN TERM

RATE

ORIG/POINTS

APR

LOAN TYPE: CONFORMING

5/1 ARM

4.1250

1.00

6.555

COMMENTS:
1. Rates shown are based on loans > 360,000
2. 35 day lock
3. Certain credit restrictions apply

4. Fully indexed rate based on investor-select indices, plus fixed margin – Ask for details.

 

 

 

 

7/1 ARM

4.625

1.00

6.433

 

 

 

 

 



LOAN TERM

RATE

ORIG/POINTS

APR

LOAN TYPE:  CONSTRUCTION, RENOVATION, AND LOT LOANS

 

Construction 

12 month term

 

CALL

 

1.000/1.00

 

CALL

COMMENTS:
1. 85% LTV to $417,000 – 660 min FICO

2. 80% LTV to $650,000 – 660 min FICO

3.Owner Occupied or Second home

Renovation

Loan

 

 

 

 

LOT

3 year term

 

 

 

CALL

 

 

 

 

 

CALL

 

 

 

1.000/1.00

 

 

 

 

 

1.000/1.00

  

  

    CALL

 

    

 

    CALL

 

 

1. 85% LTV  to $417,000 – 660 min FICO (Owner Occupied only)

2. 80% LTV to $650,000 – 660 min FICO (Owner Occupied or Second home)

 

1. 70% LTV of purchase price $50,000 to $200,000 – 660 min FICO

2. 60% max LTV to purchase price of $500,000

3. Certain restrictions apply, call for details



 

LOAN TERM     RATE     ORIG/POINTS     APR      LOAN TYPE:  JUMBO

 

 

5/1 ARM

 

Call for rates

 

 

1.000

 

COMMENTS:
1. Loan amounts up to $1,500.000.

2. Certain LTV restrictions apply
3. 45 day Lock: loans up to $1,000,000.

   7/1 ARM

 

Call for rates

 

1.000

      

4. Call for our Super Jumbo Rates.

5. Fully indexed rate based on investor-select indices, plus fixed rate margin

 

 

 

 



ALL PROGRAMS POSTED REFLECT THE TOTAL ORIGINATION FEE

AND DISCOUNT POINTS REQUIRED.

Rates are subject to change without notice, certain restrictions may apply