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Mortgage Rates

1st Trust Deed (SFR) Conforming
Effective Date: 12/19/2008
$417,000 Maximum
Term/TypeRatePoints*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/TypeRatePoints*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/TypeRatePoints*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 RateCLTVTerm/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 RateCLTVTerm/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.

 
   
 

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