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: 07/20/2010
$417,000 Maximum
Term/Type	Rate	Points*	Annual Percentage Rate
40 Year Fixed	5.00% - 6.75%	1.00	5.247% - 7.061%
40 Year Fixed	5.50% - 7.25%	0.00	5.688% - 7.434%
30 Year Fixed	4.625% - 6.375%	1.00	4.876% - 6.668%
30 Year Fixed	5.125% - 6.875%	0.00	5.295% - 7.079%
20 Year Fixed	4.500% - 6.250%	1.00	4.841% - 6.634%
20 Year Fixed	5.000% - 6.750%	0.00	5.229% - 7.014%
15 Year Fixed	4.000% - 5.750%	1.00	4.422% - 6.217%
15 Year Fixed	4.500% - 6.250%	0.00	4.780% - 6.568%

Jumbo Loans
Effective Date: 07/20/2010
Over $417,000 to a maximum of $1,000,000
Term/Type	Rate	Points*	Annual Percentage Rate
40 Year Fixed	5.925% - 7.675%	1.00	6.072% - 7.858%
40 Year Fixed	6.175% - 7.925%	0.00	6.245% - 8.019%
30 Year Fixed	5.500% - 7.250%	1.00	5.666% - 7.450%
30 Year Fixed	5.75% - 7.500%	0.00	5.827% - 7.601%

Call Option Rates
Effective Date: 07/20/2010
Amortized over 30 or 40 years
Term/Type	Rate	Points*	Annual Percentage Rate
40/5 Year**	4.375% - 6.125%	1.00	4.576% - 6.369%
40/5 Year**	4.875% - 6.625%	0.00	5.012% - 6.796%
40/7 Year**	4.625% - 6.375	1.00	4.860% - 6.625%
40/7 Year**	5.125% - 6.875%	0.00	5.267% - 7.051%
30/5 Year**	4.000% - 5.75%	1.00	4.237% - 6.027%
30/5 Year**	4.500% - 6.250%	0.00	4.660% - 6.442%
30/7 Year**	4.250% - 6.000%	1.00	4.493% - 6.284%
30/7 Year**	4.750% - 6.500%	0.00	4.914% - 6.697%

Refinances

Effective Date: 07/20/2010

Terms of Loan

FINANCING UP TO 80% OF APPRAISED VALUE

Purchases

Effective Date: 07/20/2010

Terms of Loan

MINIMUM 20% DOWN PAYMENT REQUIRED

ESTIMATED MONTHLY PAYMENT OF $5.14 PER $1,000, RATE 4.625%, 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: 07/20/2010
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: 07/20/2010
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. 2217.

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

**RATE MAY INCREASE AFTER CONSUMMATION.

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