South Western Federal Credit Union: Mortgage Rates

Rates

Deposit Rates
Consumer Lending Rates
Mortgage Rates
Schedule of Fees and Charges

Mortgage Rates

1st Trust Deed (SFR) Conforming
Effective Date: 02/06/2010
$417,000 Maximum
Term/Type	Rate	Points*	Annual Percentage Rate
40 Year Fixed	5.500% - 7.250%	1.00	5.698% - 7.491%
40 Year Fixed	6.000% - 7.750%	0.00	6.128% - 7.911%
30 Year Fixed	5.125% - 6.875%	1.00	5.353% - 7.143%
30 Year Fixed	5.625% - 7.375%	0.00	5.770% - 7.551%
20 Year Fixed	5.000% - 6.750%	1.00	5.314% - 7.106%
20 Year Fixed	5.500% - 7.250%	0.00	5.700% - 7.484%
15 Year Fixed	4.375% - 6.125%	1.00	4.749% - 6.541%
15 Year Fixed	4.875% - 6.625%	0.00	5.105% - 6.890%

Jumbo Loans
Effective Date: 02/06/2010
Over $417,000 to a maximum of $1,000,000
Term/Type	Rate	Points*	Annual Percentage Rate
40 Year Fixed	6.750% - 8.500%	1.00	6.907% - 8.695%
40 Year Fixed	7.000% - 8.750%	0.00	7.074% - 8.850%
30 Year Fixed	6.000% - 7.750%	1.00	6.167% - 7.951%
30 Year Fixed	6.250% - 8.000%	0.00	6.325% - 8.099%

Call Option Rates
Effective Date: 02/06/2010
Amortized over 30 or 40 years
Term/Type	Rate	Points*	Annual Percentage Rate
40/5 Year**	4.750% - 6.500%	1.00	4.936% - 6.727%
40/5 Year**	5.250% - 7.000%	0.00	5.370% - 7.152%
40/7 Year**	5.000% - 6.750%	1.00	5.192% - 6.984%
40/7 Year**	5.500% - 7.250%	0.00	5.660% - 7.406%
30/5 Year**	4.375% - 6.125%	1.00	4.593% - 6.381%
30/5 Year**	4.875% - 6.625%	0.00	5.013% - 6.793%
30/7 Year**	4.625% - 6.375%	1.00	4.848% - 6.637%
30/7 Year**	5.125% - 6.875%	0.00	5.267% - 7.048%

Refinances

Effective Date: 02/06/2010

Terms of Loan

FINANCING UP TO 80% OF APPRAISED VALUE

Purchases

Effective Date: 02/06/2010

Terms of Loan

MINIMUM 20% DOWN PAYMENT REQUIRED

ESTIMATED MONTHLY PAYMENT OF $5.46 PER $1,000, RATE 5.125%, LOAN AMOUNT $100,000 FOR 30 YEARS WITH 1 POINT.

RATES PRICED 1.000% HIGHER ON 2-4 UNIT PROPERTIES MUST BE OWNER OCCUPIED, 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: 02/06/2010
Annual Percentage Rate	CLTV	Term/Type
7.49% - 11.49%	Up to 70%	Up to 20 Years
Maximum loan amount $250,000.00 on all Second Trust Deed Loans

Home Equity Line of Credit (Fixed)
Effective Date: 02/06/2010
Annual Percentage Rate	CLTV	Term/Type
7.49% - 11.49%	Up to 70%	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. 2217.

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

**RATE MAY INCREASE AFTER CONSUMMATION.

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