Mortgage
Purchase and Refinance
Fixed Rate/Adjustable Rate Conforming - APR's are based on a $200,000 loan for a purchase transaction of an owner occupied, single-family residence with an 80% loan-to-value ratio (97% LTV for FHA’s).
Rates are subject to change without notice.
Quotes are for "no cash-out" loans. All quotes are for conforming products or loans that can be sold on the secondary market with no prepayment penalties nor negative amortization.
Fixed Rate/Adjustable Rate Jumbo - APR's are based on a $450,000 loan for a purchase transaction of an owner occupied, single-family residence with an 80% loan-to-value ratio (97% LTV for FHA’s).
Rates must be valid for an applicant with a 740 FICO score. Rates are subject to change without notice.
Quotes are for "no cash-out" loans. All quotes are for conforming products or loans that can be sold on the secondary market with no prepayment penalties nor negative amortization.
Are you searching for a loan amount of more than $417,000?
Please be aware that recent legislation allows lenders to offer conforming loan rates at a higher loan amount limit based on the county the property is located. For details about the new conforming loan limits, click here.
Changes in Conforming Loan Limits
Source: Informa Research Services
As part of the Economic Stimulus Act of 2008, Fannie Mae's limit on conforming loans has been temporarily raised from $417,000 to $729,750, effective until December 31, 2008 in certain high cost metropolitan statistical areas (MSAs). The limits on these new "jumbo-conforming" mortgage loans differ from area to area and have been based on the MSA's median home price, with the upper limit capped at $729,750. If the median home price is less than $417,000, the conforming loan limit remains unchanged.
Please note that not all lenders will automatically raise their conforming loan limits. Inquiring directly with each lender is the best way to ensure you are assuming the correct conforming loan limit for your situation.
Home Equity
Home Equity Loans - Rates are based on a fixed rate home equity loan for an owner occupied residence, second lien, 10 year or 15 year repayment terms with an 80% loan-to-value ratio for loan amounts of $50,000 or $50,000+.
Rate Discount indicates the amount of reduction in the Rate for having monthly payments automatically deducted from an account and/or for having other relationship accounts with the institution, expressed as a percentage. Rates shown may be subject to regional pricing.
Conditions. "No closing costs" indicates that customer is not required to pay closing costs on the loan. "With closing costs" indicates that customer is required to pay closing costs on the loan. Rates displayed do not include discounts. Rates are subject to change without notice.
Home Equity Line of Credit - Rates are based on a variable rate, second lien revolving home equity line of credit for an owner occupied residence with an 80% loan-to-value ratio for line amounts of $50,000 or $50,000+.
Discount indicates the amount of reduction in the Rate for having monthly payments automatically deducted from an account and/or for having other relationship accounts with the institution, expressed as a percentage. Rates shown may be subject to regional pricing.
Conditions - "No closing costs" indicates that customer is not required to pay closing costs on the line of credit. "With closing costs" indicates that customer is required to pay closing costs on the line of credit. Rates displayed do not include discounts. Rates are subject to change without notice.
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