|
Updated at 11:45 a.m.
Rates effective as of January 4, 2007
Rates subject to change without notice |
Mortgage Rates |
  |
|
First-Time Home Buyer Program |
| (1-2) Owner Occupied |
Rate |
Minimum Down Payment |
Points |
APR |
Payment Per $1000 borrowed |
30 Year
Fixed Rate |
5.750% |
5% |
0 |
6.312% |
$5.84 |
40 Year
Fixed Rate |
6.875% |
5% |
0 |
7.421% |
$6.13 |
|
Adjustable Rate Mortgages |
| (1-4) Owner Occupied |
Rate |
Minimum Down Payment |
Points |
APR |
Payment Per $1000 borrowed |
30 Year - 1
Year ARM Rate
30 Year - 3/1
Year ARM Rate
30 Year - 5/1
Year ARM Rate
|
4.375%
4.250%
4.125% |
10%
10%
10% |
0
1.00
2.00 |
7.303%
7.379%
7.456% |
$5.00
$4.92
$4.85 |
4.875%
4.625%
4.375% |
10%
10%
10% |
0
1.00
2.00 |
6.934%
6.948%
6.962% |
$5.30
$5.15
$5.00 |
5.375%
5.250%
5.125% |
10%
10%
10% |
0
1.00
2.00 |
6.797%
6.834%
6.872% |
$5.60
$5.53
$5.45 |
30Year - 7/1
Year ARM Rate
30 Year - 10/1
Year ARM Rate |
5.750%
5.625%
5.500% |
10%
10%
10% |
0
1.00
2.00 |
6.735%
6.759%
6.783% |
$5.84
$5.76
$5.68 |
5.875%
5.750%
5.625% |
10%
10%
10% |
0
1.00
2.00 |
6.543%
6.546%
6.554% |
$5.92
$5.84
$5.76 |
|
|
|
|
|
|
Maximum Adjustable Rate Loan $417,000. Payment and Interest Rate may increase during life of loan on ADJUSTABLE RATE MORTGAGES. |
|
Fixed Rate Conventional and Biweekly Mortgages |
| |
APR's |
| (1-4) Owner Occupied |
Rate |
Minimum Down Payment |
Points |
CONV |
BiWKLY |
Payment Per $1000 borrowed |
| 15 Year Fixed Rate |
5.875% |
10% |
0 |
5.875% |
5.859% |
$8.38 |
| 5.750% |
10% |
1.00 |
5.906% |
5.908% |
$8.31 |
| 5.500% |
10% |
2.00 |
5.813% |
5.832% |
$8.18 |
| 30 Year Fixed Rate |
6.000% |
10% |
0 |
6.000% |
5.984% |
$6.00 |
| 5.875% |
10% |
1.00 |
5.968% |
5.966% |
$5.92 |
| 5.750% |
10% |
2.00 |
5.937% |
5.948% |
$5.84 |
| 40 Year Fixed Rate |
7.125% |
10% |
0 |
7.125% |
7.106% |
$6.31 |
| 7.000% |
10% |
1.00 |
7.086% |
7.083% |
$6.22 |
| 6.875% |
10% |
2.00 |
7.047% |
7.060% |
$6.13 |
APR based on $100,000 mortgage. Maximum Fixed Rate Loan $417,000. All Annual Percentage Rates (APRs) listed above are based on a $100,000.00 mortgage with a 20% down payment.
Private Mortgage Insurance (PMI) required if the down payment is less than 20%. |
|
Jumbo Mortgage Rates |
| |
APR's |
| Owner Occupied |
Rate |
Minimum Down Payment |
Points |
CONV |
BiWKLY |
Payment Per $1000 borrowed |
| 15 Year Fixed Rate |
6.250% |
20% |
0 |
6.250% |
6.233% |
$8.57 |
| 6.125% |
20% |
1.00 |
6.283% |
6.284% |
$8.51 |
| 6.000% |
20% |
2.00 |
6.317% |
6.337% |
$8.44 |
| 30 Year Fixed Rate |
6.750% |
20% |
0 |
6.750% |
6.732% |
$6.49 |
| 6.625% |
20% |
1.00 |
6.723% |
6.720% |
$6.40 |
| 6.500% |
20% |
2.00 |
6.695% |
6.708% |
$6.32 |
APR based on $417,000.00 mortgage. Maximum Fixed Rate Jumbo Loan is $750,000.00.
|
Residential Investment Properties -- 70% Loan to Value (1-4) Unit Investment |
| |
APR |
Payment Per $1000 borrowed |
| 15 Yr. Fixed |
8.375% |
2.00 pts |
8.715% |
$9.78 |
| 30 Yr. Fixed |
8.875% |
2.00 pts |
9.101% |
$7.96 |
|
APR based on $100,000 mortgage and 30% down payment. | |
|
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Equal Housing Lender.
Member FDIC.