| | Term | | Rate | | APR1 | | Points | | LTV2 | | | | First Mortgage Loans: | | | Fixed Rate | 30 Years | | 4.875% | | 4.910% | | 0.00 | | 90% | |  | | 20 Years | | 4.750% | | 4.880% | | 0.00 | | 90% | | | | 15 Years | | 4.125% | | 4.280% | | 0.00 | | 90% | | | | Adjustable Rate | 1/1 ARM | | 3.750% | | 3.820% | | 0.00 | | 90% | | | | 5/1 ARM | | 4.000% | | 4.080% | | 0.00 | | 90% | | | | Home Equity Loans: | | | Fixed Rate | 7 Years | | 6.375% | | 6.375% | | 0.00 | | 80% | | | | 10 Years | | 6.750% | | 6.750% | | 0.00 | | 80% | | | | 15 years | | 7.000% | | 7.000% | | 0.00 | | 80% | | | | Adjustable Rate | (<5,000) | | 4.500% | | 4.500% | | 0.00 | | 80% | | | | (5-10,000) | | 4.500% | | 4.500% | | 0.00 | | 80% | | | | (>10,000) | | 4.500% | | 4.500% | | 0.00 | | 80% | | |
1 Annual Percentage Rate
2 Loan to Value
Miscellaneous:
1/8% LOWER RATES FOR FIRST TIME HOME BUYERS!
Rate "Lock-In" for 60 days from date of application
PMI required for first mortgage loans in excess of 80% LTV
No minimum loan amount requirement
Portfolio lender (We do not sell our mortgages!)
48 hour Pre-Qualification program available
Loan Limitations:
- First Mortgage Loans: 90% LTV ($420,000 max.)
- Home Equity Loans: 80% LTV ($75,000 max.)
ALL MORTGAGE TERMS SUBJECT TO CHANGE WITHOUT NOTICE
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