Rates As Of 12/8/2010

Conventional Rates:
Loan Amounts from $100,000 to $729,750 depending on County Loan Limits

30 Year FIXED @ 4.750%
30 Year FIXED @ 4.875% Stimulus Pricing for Loan Amounts from $417,001 to $729,750"20 Year FIXED @ 4.750%
15 Year FIXED @ 4.000%
10 Year FIXED @ 4.000%
  5 Year ARM  @ 3.250%

FHA & VA Rates:

Loan Amounts from $100,000 to $729,750 depending on County Loan Limits

30 Year FIXED @ 4.500%
30 Year FIXED @ 4.750% "Stimulus Pricing for Loan Amounts from $417,001 to $729,750"

30 Year FIXED @ 5.000% "Streamline Refinance"
15 Year FIXED @ 4.000%

  5 Year ARM  @ 3.125%

JUMBO Rates:

Loan Amounts from $417,001 to $2,000,000
 
30 Year FIXED @ 5.250%
  5 Year ARM  @ 4.250%

***Rates are with no points, PAR pricing and based on current market conditions, basic qualifying standards and underwriting guideline criteria.  Interest rates and guideline criteria are subject to change without notice based on market conditions.

Basic Qualifying Standards & Underwriting Guideline Criteria

 

 

 

Conventional & JUMBO Loans:

Interest rates shown above can be used for all owner occupied purchase or refinance transactions. Minimum qualifications are a 640 credit score and above for Conventional loans and 720 credit score and above for JUMBO Loans. No Bankruptcy's or Foreclosure's within the last 5 years. A 12 month rental or mortgage history with no late payments required. Verified income and assets known as "Full Doc" loan programs only. Property must be owner occupied. For 2nd Homes and Non-Owner Occupied property's certain restrictions and rate adjustments do apply. Loan to Value (L.T.V.) and Debt to Income (D.T.I.) ratio restrictions and rate adjustments do apply.


FHA & VA Loans:
Interest rates shown above can be used for all owner occupied purchase or refinance transactions. Minimum qualifications are a 640 credit score and above. No Bankruptcy's within the last 3 years and no Foreclosure's within the last 5 years. A 12 month rental or mortgage history with no late payments required. Verified income and assets known as "Full Doc" loan programs only. Property must be owner occupied. 2nd Homes or Non-Owner Occupied property's are NOT allowed. Loan to Value (L.T.V.) and Debt to Income (D.T.I.) ratio restrictions and rate adjustments do apply. 

Rates are for informational purposes only.  Please contact your lender directly for confirmation of current rates and loan pre-qualification. I'm happy to make a lender or broker referral should you need one.

  rates shown below are with NO POINTS, PAR pricing based on current marketing conditions, basic qualifying standards and underwriting guideline criteria

rates shown below are with NO POINTS, PAR pricing based on current marketing conditions, basic qualifying standards and underwriting guideline criteria 

rates shown below are with NO POINTS, PAR pricing based on current marketing conditions, basic qualifying standards and underwriting guideline criteria