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: 01/27/2012
$417,000 Maximum
Term/Type	Rate	Points*	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/Type	Rate	Points*	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 Rate	CLTV	Term/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 Rate	CLTV	Term/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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