Current Rates

Current Rates as of

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Conforming Rates	View Jumbo Rates


	Rate*	Points*	APR*
ADJUSTABLE RATE (ARM)
10/1
7/1
5/1
CONVENTIONAL FIXED RATE
30yr
15yr
*Full Rate Table & Details of Terms

	Rates(%)*	Points	APR(%)*	Monthly Payment*
Adjustable Rates
10/1
10/1 ARM Interest Only
7/1
5/1
3/1
3/1 ARM 10yr Interest Only
5/1 ARM 10yr Interest Only
7/1 ARM 10yr Interest Only
Fixed Rates
40yr
30yr
25yr
20 yr
15yr
10yr

These payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater.

Explanation of Terms

*APR and Monthly Payment

The APR and Monthly Payment calculation is based on a loan amount of $180,000.00 for the purchase of an owner occupied property, with 75% Loan-to-Value (LTV), closing costs of $1,300.00 plus points shown, 15 days of prepaid interest and a 60-day lock. The APR shown for Adjustable Rate Mortgages (ARMs) may be increased or decreased after consummation.

*Current rates

Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best-qualified customers. Your individual rate may vary.

10/1 LIBOR ARM- The first 120 months will be at a payment of $972.90 with a corresponding simple interest rate of 5.06%, the next 239 months will be at a payment of $822.69 with a corresponding simple interest rate of 3.125% and the remaining 1 months will be at a payment of $820.28 with a corresponding simple interest rate of 3.125%

10/1 ARM IO(10) 30yr Conf- The first 120 months will be at a payment of $768.75 with a corresponding simple interest rate of 5.125%, the next 239 months will be at a payment of $1,009.58 with a corresponding simple interest rate of 3.125% and the remaining 1 months will be at a payment of $1,008.40 with a corresponding simple interest rate of 3.125%

30yr Fixed IO(10) Conf- The first 120 months will be at a payment of $918.75 with a corresponding simple interest rate of 6.125%, the next 239 months will be at a payment of $1,302.59 with a corresponding simple interest rate of 6.125% and the remaining 1 months will be at a payment of $1,302.54 with a corresponding simple interest rate of 6.125%

7/1 LIBOR ARM- The first 84 months will be at a payment of $934.64 with a corresponding simple interest rate of 4.71%, the next 275 months will be at a payment of $800.05 with a corresponding simple interest rate of 3.125% and the remaining 1 months will be at a payment of $797.68 with a corresponding simple interest rate of 3.125%

7/1 LIBOR ARM 10 yr IO- The first 84 months will be at a payment of $721.50 with a corresponding simple interest rate of 4.81%, the next 36 months will be at a payment of $468.75 with a corresponding simple interest rate of 3.125%, the next 239 months will be at a payment of $1,009.58 with a corresponding simple interest rate of 3.125%, the remaining 1 months will be at a payment of $1,008.40 with a corresponding simple interest rate of 3.125%

5/1 LIBOR ARM- The first 60 months will be at a payment of $877.09 with a corresponding simple interest rate of 4.17%, the next 299 months will be at a payment of $784.80 with a corresponding simple interest rate of 3.125% and the remaining 1 months will be at a payment of $782.40 with a corresponding simple interest rate of 3.125%

5/1 LIBOR ARM 10 yr IO 5/2/5- The first 60 months will be at a payment of $646.50 with a corresponding simple interest rate of 4.31%, the next 60 months will be at a payment of $468.75 with a corresponding simple interest rate of 3.125%, the next 239 months will be at a payment of $1,009.58 with a corresponding simple interest rate of 3.125%, the remaining 1 months will be at a payment of $1,008.40 with a corresponding simple interest rate of 3.125%

3/1 LIBOR ARM- The first 36 months will be at a payment of $918.47 with a corresponding simple interest rate of 4.56%, the next 323 months will be at a payment of $781.91 with a corresponding simple interest rate of 3.125% and the remaining 1 months will be at a payment of $778.32 with a corresponding simple interest rate of 3.125%

3/1 LIBOR ARM 10 yr IO- The first 36 months will be at a payment of $731.25 with a corresponding simple interest rate of 4.875%, the next 84 months will be at a payment of $468.75 with a corresponding simple interest rate of 3.125%, the next 239 months will be at a payment of $1,009.58 with a corresponding simple interest rate of 3.125%, the remaining 1 months will be at a payment of $1,008.40 with a corresponding simple interest rate of 3.125%

	Rates(%)*	Points*	APR(%)	Monthly Payment*
Adjustable Rates
10/1 Jumbo ARM Interest Only
7/1 Jumbo LIBOR ARM
5/1 Jumbo LIBOR ARM
3/1 Jumbo LIBOR ARM
7/1 Jumbo LIBOR ARM 10 yr Interest Only


Fixed Rates
30 yr Jumbo Fixed
20 yr Jumbo Fixed
15 yr Jumbo Fixed
30 yr Fixed P&I Jumbo
15 yr Fixed P&I Jumbo
10 yr Fixed P&I Jumbo