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Mortgage Rates
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Rates effective as of Sep 2, 2010.

Please Note: These rates are based on a zero cash-out, 80% loan-to-value ratio mortgage, for borrowers with excellent credit.  Your rate may be different depending upon your credit score, loan-to-value ratio, and transaction type.

Conforming Loans $200,000 - $417,000

Closing costs equal approx. 1.3% on loan amount, of which $750.00 affect APR (not including points). Loan amount assumed to be $300,000. 80% LTV. Owner occupied property.

Points 30 Year Fixed 20 Year Fixed 15 Year Fixed
APR* Rate APR* Rate APR* Rate
0 Points 4.2710% 4.2500% 4.0288% 4.0000% 3.6616% 3.6250%
1 Points 4.1045% 4.0000% 4.0194% 3.8750% 3.6836% 3.5000%
2 Points 4.0631% 3.8750% 4.0105% 3.7500% 3.7067% 3.3750%

Conforming Loans $100,000 - $199,999

Closing costs equal approx. 1.6% on loan amount, of which $750.00 affect APR (not including points). Loan amount assumed to be $150,000. 80% LTV. Owner occupied property.

Points 30 Year Fixed 20 Year Fixed 15 Year Fixed
APR* Rate APR* Rate APR* Rate
0 Points 4.4175% 4.3750% 4.1830% 4.1250% 3.8236% 3.7500%
1 Points 4.2515% 4.1250% 4.1744% 4.0000% 3.8465% 3.6250%
2 Points 4.2110% 4.0000% 4.1664% 3.8750% 3.8705% 3.5000%

Conforming Loans $50,000 - $99,999

Closing costs equal approx. 2.0% on loan amount, of which $750.00 affect APR (not including points). Loan amount assumed to be $75,000. 80% LTV. Owner occupied property.

Points 30 Year Fixed 20 Year Fixed 15 Year Fixed
APR* Rate APR* Rate APR* Rate
0 Points 4.7116% 4.6250% 4.4925% 4.3750% 4.1487% 4.0000%
1 Points 4.5469% 4.3750% 4.4856% 4.2500% 4.1734% 3.8750%
2 Points 4.5079% 4.2500% 4.4793% 4.1250% 4.1993% 3.7500%

Conforming Loans Below $50,000

Closing costs equal approx. 2.5% on loan amount, of which $750.00 affect APR (not including points). Loan amount assumed to be $35,000. 80% LTV. Owner occupied property.

Points 30 Year Fixed 20 Year Fixed 15 Year Fixed
APR* Rate APR* Rate APR* Rate
0 Points 4.9385% 4.7500% 4.7551% 4.5000% 4.4473% 4.1250%
1 Points 4.7745% 4.5000% 4.7502% 4.3750% 4.4745% 4.0000%
2 Points 4.7370% 4.3750% 4.7459% 4.2500% 4.5028% 3.8750%

Jumbo loans available for $417,000 and above. Balloon loans available with terms of 3 to 7 years. Home Equity Line-of-Credit loans available at competitive variable rates. Non-owner occupied financing available. Adjustable rate mortgages available. Contact a loan officer for more information and rates.

Home Construction Loan: 6.0000% rate with 0 points and a 5.5000% APR.

* Annual Percentage Rate


Additional Rates

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