Mortgage Rates
| 1st Trust Deed (SFR) Conforming |
| Effective Date: 12/19/2008 |
| $417,000 Maximum |
| Term/Type | Rate | Points* | Annual Percentage Rate |
| 40 Year Fixed |
6.250% |
1.00 - 3.00 |
6.471% - 6.642% |
| 30 Year Fixed |
5.500% |
1.00 - 3.00 |
5.742% - 5.934% |
| 20 Year Fixed |
5.250% |
1.00 - 3.00 |
5.570% - 5.824% |
| 15 Year Fixed |
5.000% |
1.00 - 3.00 |
5.399% - 5.719% |
| Jumbo Loans |
| Effective Date: 12/19/2008 |
| Over $417,000 to a maximum of $1,000,000 |
| Term/Type | Rate | Points* | Annual Percentage Rate |
| 40 Year Fixed |
6.750% |
1.00 - 3.00 |
6.907% - 7.083% |
| 30 Year Fixed |
6.500% |
1.00 - 3.00 |
6.677% - 6.879% |
| Call Option Rates |
| Effective Date: 12/19/2008 |
| Amortized over 30 or 40 years |
| Term/Type | Rate | Points* | Annual Percentage Rate |
| 40/5 Year** |
5.750% |
1.00 - 3.00 |
5.959% - 6.123% |
| 40/7 Year** |
6.000% |
1.00 - 3.00 |
6.215% - 6.383% |
| 30/5 Year |
5.250% |
1.00 - 3.00 |
5.486% - 5.675% |
| 30/7 Year |
5.375% |
1.00 - 3.00 |
5.614% - 5.804% |
| Refinances |
| Effective Date: 12/19/2008 |
| Terms of Loan |
- FINANCING UP TO 80% OF APPRAISED VALUE
- RATES PRICED .50% HIGHER FOR CASH OUT REFINANCES GREATER THAN 70% LTV
|
| Purchases |
| Effective Date: 12/19/2008 |
| Terms of Loan |
- MINIMUM 20% DOWN PAYMENT REQUIRED
ESTIMATED MONTHLY PAYMENT OF $5.68 PER $1,000, RATE 5.500%, LOAN AMOUNT $100,000 FOR 30 YEARS |
| Home Equity Loan (Fixed) |
| Effective Date: 12/19/2008 |
| Annual Percentage Rate | CLTV | Term/Type |
| 7.49% - 11.49% |
Up to 70% |
Up to 20 Years |
| Home Equity Line of Credit (Fixed) |
| Effective Date: 12/19/2008 |
| Annual Percentage Rate | CLTV | Term/Type |
| 7.49% - 11.49% |
Up to 70% |
Up to 30 years |
APR=ANNUAL PERCENTAGE RATE
ALL RATES AND POINTS ARE SUBJECT TO CHANGE WITHOUT PRIOR NOTICE. FOR FURTHER INFORMATION, PLEASE CALL OUR MORTGAGE DEPARTMENT TODAY AT: (800) 899-8296 OR (562) 694-8296 EXT. 2218
*POINTS BASED ON BORROWER(S) LOWEST MIDDLE SCORE. |
