|
Rates effective February 03,2012
| FIXED RATE MORTGAGES |
|
|
Points
|
Interest Rate
|
APR
|
Payment/$1,000
|
|
10 year
|
1
|
2.875%
|
3.118%
|
$9.68
|
|
|
0
|
3.000%
|
3.033%
|
$9.66
|
|
15 year
|
1
|
3.000%
|
3.167%
|
$6.91
|
|
|
0
|
3.125%
|
3.148%
|
$6.97
|
|
20 year
|
1
|
3.500%
|
3.632%
|
$5.80
|
|
|
0
|
3.625%
|
3.643%
|
$5.86
|
|
30 year
|
1
|
3.625%
|
3.638%
|
$4.56
|
|
|
0
|
3.875%
|
3.888%
|
$4.70
|
|
Annual Percentage Rates (APR) are based on $200,000 loan with a 20% down payment.
|
| |
|
Fixed Rate First Time Home Buyer
|
|
Up to 95% Financing
|
Points
|
Interest Rate
|
APR
|
Payment/$1,000
|
|
30 Year Reduced Fee
|
0
|
4.490%
|
4.503%
|
$5.07
|
| Annual Percentage Rates (APR) are based on a $200,000 loan with a 20% down payment. |
|
Fixed Rate Jumbo Mortgages
|
|
over $417,000
|
Points
|
Interest Rate
|
APR
|
Payment/$1,000
|
|
30 Year
|
0
|
4.875%
|
4.882%
|
$5.29
|
| Annual Percentage Rates (APR) are based on a $417,001 loan with a 20% down payment. |
| Adjustable Rate Mortgages* |
|
30 Years
|
Points
|
Interest Rate
|
APR
|
Payment/$1,000
|
|
5 to 1
|
0
|
3.500%
|
2.688%
|
$4.49
|
|
5 to 1 Jumbo
|
0
|
4.000%
|
2.857%
|
$4.77
|
Annual Percentage Rates (APR) are based on a $200,000 loan with a 20% down payment. Jumbo loans based on $417,001 with a 20% down payment. |
| *The initial rate on the 5 to 1 ARMs may be discounted during the first 5 years. The annual percentage rate is subject to increase after closing. |
| |
| AdjustableRate Construction Mortgages* |
|
30 Years
|
Points
|
Interest Rate
|
APR
|
Payment/$1,000
|
|
5 to 1
|
0
|
3.500%
|
2.703%
|
$4.49
|
|
5 to 1 Jumbo
|
0
|
4.000%
|
2.825%
|
$4.77
|
Annual Percentage Rates (APR) are based on a $200,000 loan with a 20% down payment. Jumbo loans based on $417,001 with a 20% down payment. |
| *The initial rate on the 5 to 1 ARMs may be discounted during the first 5 years. The annual percentage rate is subject to increase after closing. |
| |
FIXED RATE SPECIALTY MORTGAGES
| FHA - UP TO 96.5% FINANCING |
| Purchase Rates |
Points
|
Interest Rate
|
APR
|
Payment/$1,000
|
|
30 Year, 1-4 Units
|
0
|
3.750%
|
3.801%
|
$4.63
|
APR = Annual Percentage Rate
Rates subject to change.
|