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Mortgage Rates

1st Trust Deed (SFR) Conforming
Effective Date: 01/27/2012
$417,000 Maximum
Term/TypeRatePoints*Annual Percentage Rate
40 Year Fixed 4.250% - 6.000% 1.00 4.469% - 6.264%
40 Year Fixed 4.750% - 6.500% 0.00 4.907% - 6.693%
30 Year Fixed 3.875% - 5.625% 1.00 4.134% - 5.927%
30 Year Fixed 4.375% - 6.125% 0.00 4.558% - 6.328%
20 Year Fixed 3.500% - 5.250% 1.00 3.852% - 5.645%
20 Year Fixed 4.000% - 5.750% 0.00 4.244% - 6.030%
15 Year Fixed 3.000% - 4.500% 1.00 3.442% -4.980%
15 Year Fixed 3.500% - 5.250% 0.00 3.803% - 5.591%

Jumbo Loans
Effective Date: 01/27/2012
Over $417,000 to a maximum of $1,000,000
Term/TypeRatePoints*Annual Percentage Rate
40 Year Fixed 5.275% - 7.025% 1.00 5.416% - 7.200%
40 Year Fixed 5.525% - 7.275% 0.00 5.593% - 7.366%
30 Year Fixed 4.750% - 6.500% 1.00 4.910% - 6.692%
30 Year Fixed 5.000% - 6.750% 0.00 5.074% - 6.847%

Refinances
Effective Date: 01/27/2012
Terms of Loan
  • FINANCING UP TO 80% OF APPRAISED VALUE

Purchases
Effective Date: 01/27/2012
Terms of Loan
  • MINIMUM 20% DOWN PAYMENT REQUIRED

ESTIMATED MONTHLY PAYMENT OF $4.71 PER $1,000, RATE 3.875%, LOAN AMOUNT $100,000 FOR 30 YEARS WITH 1 POINT.

2-4 UNIT PROPERTIES: MUST BE OWNER OCCUPIED, RATES PRICED 1.00% HIGHER, MAX LTV 75% ON REFINANCES AND 70% MAX LTV ON PURCHASES.

CONDOMINIUM PROPERTIES: MAX LTV 75% ON REFINANCES AND 70% MAX LTV ON CASH OUT.

Home Equity Loan (Fixed)
Effective Date: 01/27/2012
Annual Percentage RateCLTVTerm/Type
7.49% - 11.49%

Up to 80%

Up to 20 Years
Maximum loan amount $250,000.00 on all Second Trust Deed Loans

Home Equity Line of Credit (Fixed)
Effective Date: 01/27/2012
Annual Percentage RateCLTVTerm/Type
7.49% - 11.49%

Up to 80%

Up to 30 years
Maximum loan amount $250,000.00 on all Second Trust Deed Loans

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.

*RATES MAY INCREASE BASED ON BORROWER(S) LOWEST MIDDLE SCORE.

 
   
 

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