Rates subject to change without notice.
100% Financing is available on certain programs
Fixed Rate Mortgages
Effective as of 2009-01-06 09:59:20
APR = Annual Percentage Rate
40 Year Mortgage
| Points | Interest Rate | APR |
|---|
| 0 | N/A% | N/A% |
| 1 | N/A% | N/A% |
| 2 | N/A% | N/A% |
30 Year Mortgage
| Points | Interest Rate | APR |
|---|
| 0 | 5.125% | 5.162% |
| 1 | 4.875% | 5.000% |
| 2 | 4.625% | 4.837% |
20 Year Mortgage
| Points | Interest Rate | APR |
|---|
| 0 | 5.125% | 5.175% |
| 1 | 4.875% | 5.045% |
| 2 | 4.625% | 4.915% |
15 Year Mortgage
| Points | Interest Rate | APR |
|---|
| 0 | 4.500% | 4.563% |
| 1 | 4.250% | 4.463% |
| 2 | 4.000% | 4.363% |
10 Year Mortgage
| Points | Interest Rate | APR |
|---|
| 0 | 4.500% | 4.590% |
| 1 | 4.250% | 4.557% |
| 2 | 4.000% | 4.524% |
Interest First Mortgages
Effective as of 2009-01-06 09:59:20
15/15 Fixed
| Points | Interest Rate | APR |
|---|
| 0 | N/A% | N/A% |
| 1 | N/A% | N/A% |
| 2 | N/A% | N/A% |
10/20 Fixed
| Points | Interest Rate | APR |
|---|
| 0 | N/A% | N/A% |
| 1 | N/A% | N/A% |
| 2 | N/A% | N/A% |
Interest Only Mortgages
Effective as of 2009-01-06 09:59:20
3/1 ARM (3 Year Int. only)
| Points | Interest Rate | APR |
|---|
| 0 | 5.500% | 3.791% |
| 1 | 5.250% | 3.818% |
| 2 | 5.000% | 3.845% |
3/1 ARM (10 Year Int. only)
| Points | Interest Rate | APR |
|---|
| 0 | 5.500% | 3.791% |
| 1 | 5.250% | 3.818% |
| 2 | 5.000% | 3.845% |
5/1 ARM (5 Year Int. only)
| Points | Interest Rate | APR |
|---|
| 0 | 6.000% | 4.290% |
| 1 | 5.750% | 4.284% |
| 2 | 5.500% | 4.277% |
5/1 ARM (10 Year Int. only)
| Points | Interest Rate | APR |
|---|
| 0 | 6.000% | 4.290% |
| 1 | 5.750% | 4.284% |
| 2 | 5.500% | 4.277% |
No Points/No Closing Costs
For Refinances And Purchases
- Single Family Only
Effective as of 2009-01-06 09:52:40
($100,000.00 minimum loan requirement)
Adjustable Rate Mortgage
Effective as of 2009-01-06 09:52:02
Margin: 2.875%
5% Adjustment/ 5% Lifetime Cap
| Fixed Period* | Interest Rate** | APR | Index |
|---|
| 7 Years | 5.625% | 4.436% | .37% |
| 5 Years | 5.625% | 4.146% | .37% |
2% Adjustment/ 6% Lifetime Cap
| Fixed Period* | Interest Rate** | APR | Index |
|---|
| 3 Years | 5.125% | 3.704% | .37% |
| 1 Year | 6.000% | 3.495% | .37% |
* After the initial fixed period expires, rates are adjusted on a 1
year period.
** Rate listed is for No Point ARMs
Construction Loans
Effective as of 2009-01-06 09:59:20
(6 month construction period interest only based on prime rate.)
30 Years
| Points | Interest Rate | APR |
|---|
| 0 | 5.375% | 5.495% |
| 1 | 5.125% | 5.334% |
| 2 | 4.875% | 5.172% |
15 Years
| Points | Interest Rate | APR |
|---|
| 0 | 4.750% | 4.951% |
| 1 | 4.500% | 4.853% |
| 2 | 4.250% | 4.755% |
Fixed Rate Investment Properties
Effective as of 2009-01-06 09:52:40
30 Years
| Interest Rate | APR |
|---|
| 5.375% | 5.413% |
15 Years
| Interest Rate | APR |
|---|
| 4.750% | 4.813% |
1-2 family purchase 15% down payment required
3-4 family purchase 25% down payment required
other fees may be applicable
Prime Rate
Effective as of 2008-12-17 09:37:39
*APR is based on $100,000.00 loan with a loan-to-value of 80%, closing the first day of the month including $419.00 in prepaid closing costs.
