Rates subject to change without notice.
100% Financing is available on certain programs
Fixed Rate Mortgages
Effective as of 2008-07-03 11:34:35
APR = Annual Percentage Rate
40 Year Mortgage
| Points | Interest Rate | APR |
|---|
| 0 | 6.875% | 6.911% |
| 1 | 6.625% | 6.744% |
| 2 | 6.375% | 6.576% |
30 Year Mortgage
| Points | Interest Rate | APR |
|---|
| 0 | 6.500% | 6.540% |
| 1 | 6.250% | 6.386% |
| 2 | 6.000% | 6.230% |
20 Year Mortgage
| Points | Interest Rate | APR |
|---|
| 0 | 6.500% | 6.553% |
| 1 | 6.250% | 6.430% |
| 2 | 6.000% | 6.306% |
15 Year Mortgage
| Points | Interest Rate | APR |
|---|
| 0 | 6.125% | 6.191% |
| 1 | 5.875% | 6.098% |
| 2 | 5.625% | 6.005% |
10 Year Mortgage
| Points | Interest Rate | APR |
|---|
| 0 | 5.875% | 5.968% |
| 1 | 5.625% | 5.940% |
| 2 | 5.375% | 5.913% |
Interest First Mortgages
Effective as of 2008-07-03 11:34:35
15/15 Fixed
| Points | Interest Rate | APR |
|---|
| 0 | 7.000% | 7.042% |
| 1 | 6.750% | 6.890% |
| 2 | 6.500% | 6.737% |
10/20 Fixed
| Points | Interest Rate | APR |
|---|
| 0 | 6.875% | 6.916% |
| 1 | 6.625% | 6.764% |
| 2 | 6.375% | 6.610% |
Interest Only Mortgages
Effective as of 2008-07-03 11:34:35
3/1 ARM (3 Year Int. only)
| Points | Interest Rate | APR |
|---|
| 0 | 5.750% | 5.475% |
| 1 | 5.500% | 5.504% |
| 2 | 5.250% | 5.535% |
3/1 ARM (10 Year Int. only)
| Points | Interest Rate | APR |
|---|
| 0 | 5.750% | 5.475% |
| 1 | 5.500% | 5.504% |
| 2 | 5.250% | 5.535% |
5/1 ARM (5 Year Int. only)
| Points | Interest Rate | APR |
|---|
| 0 | 6.500% | 5.826% |
| 1 | 6.250% | 5.822% |
| 2 | 6.000% | 5.818% |
5/1 ARM (10 Year Int. only)
| Points | Interest Rate | APR |
|---|
| 0 | 6.500% | 5.826% |
| 1 | 6.250% | 5.822% |
| 2 | 6.000% | 5.818% |
No Points/No Closing Costs
For Refinances And Purchases
- Single Family Only
Effective as of 2008-07-03 11:02:32
($100,000.00 minimum loan requirement)
30 Years
| Interest Rate | APR |
|---|
| 7.000% | 7.000% |
20 Years
| Interest Rate | APR |
|---|
| 7.000% | 7.000% |
15 Years
| Interest Rate | APR |
|---|
| 6.625% | 6.625% |
10 Years
| Interest Rate | APR |
|---|
| 6.375% | 6.375% |
Adjustable Rate Mortgage
Effective as of 2008-07-03 10:59:33
Margin: 2.875%
5% Adjustment/ 5% Lifetime Cap
| Fixed Period* | Interest Rate** | APR | Index |
|---|
| 7 Years | 6.000% | 5.709% | 2.46% |
| 5 Years | 5.750% | 5.532% | 2.46% |
2% Adjustment/ 6% Lifetime Cap
| Fixed Period* | Interest Rate** | APR | Index |
|---|
| 3 Years | 5.375% | 5.382% | 2.46% |
| 1 Year | 4.375% | 5.290% | 2.46% |
* After the initial fixed period expires, rates are adjusted on a 1
year period.
** Rate listed is for No Point ARMs
Construction Loans
Effective as of 2008-07-03 11:34:35
(6 month construction period interest only based on prime rate.)
30 Years
| Points | Interest Rate | APR |
|---|
| 0 | 6.750% | 6.880% |
| 1 | 6.500% | 6.727% |
| 2 | 6.250% | 6.573% |
15 Years
| Points | Interest Rate | APR |
|---|
| 0 | 6.375% | 6.585% |
| 1 | 6.125% | 6.495% |
| 2 | 5.875% | 6.404% |
Fixed Rate Investment Properties
Effective as of 2008-07-03 11:02:32
30 Years
| Interest Rate | APR |
|---|
| 7.250% | 7.292% |
15 Years
| Interest Rate | APR |
|---|
| 7.000% | 7.068% |
1-2 Family 10% down with 3 points
3-4 Family 25% down with 2 points
Prime Rate
Effective as of 2008-05-02 17:13:00
*APR is based on $100,000.00 loan with a loan-to-value of 80%, closing the first day of the month including $419.00 in prepaid closing costs.
