Rates Effective as of 8/26/2009


Important Disclosures, Assumptions, and APR Information


Rate and Amounts displayed below are based on the following criteria
A credit score of at least: 700
LTV: 80%
Lock Period: 45

Additional Disclosure, Assumptions, and APR Information

Please use our Detailed Rate Quote Page for a complete list of rates adjusted to your specific transaction terms.

3/1 Freddie Mac CMT ARM; 1196
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 360 Months
Loan Amount: 240000
Down Payment: 60000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
5.125%1.702%2.750%3.930%$2,787.00$1,306.77
5.250%1.516%2.750%3.944%$2,601.00$1,325.29
5.375%1.344%2.750%3.959%$2,429.00$1,343.93
5.500%1.183%2.750%3.975%$2,268.00$1,362.69
5.625%1.032%2.750%3.992%$2,117.00$1,381.58
30 Yr Fannie Mae Fixed; 1050
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 360 Months
Loan Amount: 240000
Down Payment: 60000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
3.250%2.523%NA3.502%$7,141.00$1,044.50
3.375%1.485%NA3.543%$4,649.00$1,061.03
3.500%0.479%NA3.587%$2,235.00$1,077.71
3.625%$362 CreditNA3.662%$723.00$1,094.52
3.750%$1,452 CreditNA3.750%($366.00)$1,111.48
30 Yr Fixed w/LPMI; 11114
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 360 Months
Loan Amount: 240000
Down Payment: 60000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
3.250%2.648%NA3.513%$7,441.00$1,044.50
3.375%1.610%NA3.554%$4,949.00$1,061.03
15 Yr Fixed w/LPMI; 11115
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 180 Months
Loan Amount: 240000
Down Payment: 60000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
2.750%1.987%NA3.121%$5,854.00$1,628.69
30 Yr Fixed w/LPMI; 11119
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 360 Months
Loan Amount: 240000
Down Payment: 60000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
3.250%2.474%NA3.498%$7,023.00$1,044.50
3.375%1.638%NA3.556%$5,017.00$1,061.03
25 Yr Fixed w/LPMI; 11127
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 300 Months
Loan Amount: 240000
Down Payment: 60000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
3.250%2.474%NA3.539%$7,023.00$1,169.56
3.375%1.638%NA3.585%$5,017.00$1,185.47
20 Yr Fannie Mae Fixed; 1051
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 240 Months
Loan Amount: 240000
Down Payment: 60000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
3.250%2.523%NA3.606%$7,141.00$1,361.27
3.375%1.485%NA3.612%$4,649.00$1,376.54
3.500%0.479%NA3.622%$2,235.00$1,391.90
3.625%$362 CreditNA3.676%$723.00$1,407.37
3.750%$1,452 CreditNA3.750%($366.00)$1,422.93
15 Yr Fannie Mae Fixed; 1052
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 180 Months
Loan Amount: 240000
Down Payment: 60000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
2.750%1.862%NA3.102%$5,554.00$1,628.69
2.875%1.038%NA3.108%$3,577.00$1,643.01
3.000%0.256%NA3.120%$1,700.00$1,657.40
3.125%$398 CreditNA3.185%$687.00$1,671.86
3.250%$1,303 CreditNA3.256%($217.00)$1,686.41
10 Yr Fannie Mae Fixed; 1053
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 120 Months
Loan Amount: 240000
Down Payment: 60000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
2.750%1.862%NA3.264%$5,554.00$2,289.86
2.875%1.038%NA3.215%$3,577.00$2,303.64
3.000%0.256%NA3.175%$1,700.00$2,317.46
3.125%$398 CreditNA3.212%$687.00$2,331.33
3.250%$1,303 CreditNA3.259%($217.00)$2,345.26
TESTER #2 -5/5 SDFCU Adjusters; 1205
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 360 Months
Loan Amount: 240000
Down Payment: 60000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
5.000%1.125%NA5.159%$3,786.00$1,288.37
5.500%0.125%NA5.573%$1,386.00$1,362.69
TESTER #5 - empty; 1219
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 360 Months
Loan Amount: 240000
Down Payment: 60000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
4.250%0.625%NA4.341%$2,586.00$1,180.66
4.375%0.375%NA4.445%$1,986.00$1,198.28
4.500%0.125%NA4.549%$1,386.00$1,216.04
4.625%$300 CreditNA4.653%$786.00$1,233.93
30 Year Fixed - FHLMC; 9616
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 360 Months
Loan Amount: 240000
Down Payment: 60000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
6.000%0.000%NA6.066%$1,086.00$1,438.92
15 Year Fixed - FHLMC; 9618
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 180 Months
Loan Amount: 240000
Down Payment: 60000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
6.000%0.000%NA6.110%$1,086.00$2,025.26
Fannie Mae High Balance 30 Yr Fixed; 9641
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 360 Months
Loan Amount: 420000
Down Payment: 105000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
3.250%2.273%NA3.466%$10,632.00$1,827.87
3.375%1.235%NA3.507%$6,273.00$1,856.80
3.500%0.229%NA3.551%$2,047.00$1,885.99
3.625%$1,684 CreditNA3.626%($598.00)$1,915.42
3.750%$3,591 CreditNA3.714%($2,504.00)$1,945.09
Fannie Mae High Balance 15 Yr Fixed; 9643
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 180 Months
Loan Amount: 420000
Down Payment: 105000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
2.750%1.612%NA3.037%$7,856.00$2,850.21
2.875%0.788%NA3.043%$4,395.00$2,875.26
3.000%0.006%NA3.056%$1,111.00$2,900.44
3.125%$1,747 CreditNA3.121%($661.00)$2,925.76
3.250%$3,331 CreditNA3.192%($2,244.00)$2,951.21
VA 30 Yr Fixed; 10260
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 360 Months
Loan Amount: 240000
Down Payment: 60000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
6.000%0.000%NA6.126%$1,086.00$1,438.92
TFSB - HELOC - 1st Position; 10530
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 360 Months
Loan Amount: 25000
Down Payment: 6250
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
4.750%0.000%1.500%5.105%$1,086.00$130.41
TFSB - HELOC - 2nd Position; 10531
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 360 Months
Loan Amount: 25000
Down Payment: 6250
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
4.750%0.000%1.500%5.105%$1,086.00$130.41
Conforming High Balance 30 Yr Fixed; 10807
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 360 Months
Loan Amount: 420000
Down Payment: 105000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
3.750%$2,793 CreditNA3.717%($1,707.00)$1,945.09
Fannie Mae High Balance 3/1 LIBOR ARM - IO; 10823
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 360 Months
Loan Amount: 420000
Down Payment: 105000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
2.375%0.218%2.250%3.217%$2,001.00$1,632.34
10/1 LIBOR ARM Jumbo; 10916
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 360 Months
Loan Amount: 420000
Down Payment: 105000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
3.750%0.713%2.250%3.685%$4,080.00$1,945.09
3.875%0.313%2.250%3.730%$2,400.00$1,975.00
5/5 ARM; 11025
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 360 Months
Loan Amount: 240000
Down Payment: 60000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
2.750%1.000%2.000%2.863%$3,486.00$979.78
2.875%0.750%2.000%2.887%$2,886.00$995.74
3.000%0.500%2.000%2.910%$2,286.00$1,011.85
3.125%0.250%2.000%2.934%$1,686.00$1,028.10
3.250%0.000%2.000%2.957%$1,086.00$1,044.50
Correspondent 5/1 LIBOR ARM with LPMI; 11060
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 360 Months
Loan Amount: 240000
Down Payment: 60000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
2.375%0.500%2.500%3.267%$2,286.00$932.77
2.500%0.000%2.500%3.271%$1,086.00$948.29
Correspondent 7/1 LIBOR ARM with LPMI; 11061
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 360 Months
Loan Amount: 240000
Down Payment: 60000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
2.625%0.500%2.500%3.241%$2,286.00$963.96
2.750%0.000%2.500%3.258%$1,086.00$979.78
5/5 Super Conforming Adjustable Rate; 11063
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 360 Months
Loan Amount: 420000
Down Payment: 105000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
3.250%0.000%2.000%2.942%$1,086.00$1,827.87
10/1 LIBOR ARM Jumbo >$1M; 11091
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 360 Months
Loan Amount: 100000
Down Payment: 25000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
3.750%0.663%2.250%3.763%$1,749.00$463.12
3.875%0.263%2.250%3.808%$1,349.00$470.24
10/1 LIBOR ARM Jumbo; 11096
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 360 Months
Loan Amount: 420000
Down Payment: 105000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
3.750%0.663%2.250%3.694%$3,870.00$1,945.09
3.875%0.263%2.250%3.739%$2,190.00$1,975.00
30 Yr Fixed w/LPMI; 11108
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 360 Months
Loan Amount: 240000
Down Payment: 60000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
3.250%1.023%NA3.379%$3,541.00$1,044.50
15 Yr Fixed w/LPMI; 11109
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 180 Months
Loan Amount: 240000
Down Payment: 60000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
2.750%0.362%NA2.883%$1,954.00$1,628.69
30 Year Fixed - FHLMC Generic; 11137
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 360 Months
Loan Amount: 240000
Down Payment: 60000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
4.000%0.000%NA4.051%$1,086.00$1,145.80
30 Year Fixed - FHLMC Direct; 11138
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 360 Months
Loan Amount: 240000
Down Payment: 60000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
4.000%0.000%NA4.051%$1,086.00$1,145.80
30 Year Fixed - FHLMC Super Conforming; 11139
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 360 Months
Loan Amount: 420000
Down Payment: 105000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
4.500%0.000%NA4.538%$1,086.00$2,128.08
30 Year Fixed - FNMA Generic; 11140
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 360 Months
Loan Amount: 240000
Down Payment: 60000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
4.000%0.000%NA4.051%$1,086.00$1,145.80
30 Year Fixed - FNMA Direct; 11141
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 360 Months
Loan Amount: 240000
Down Payment: 60000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
4.000%0.000%NA4.051%$1,086.00$1,145.80
30 Year Fixed - FNMA High Balance; 11142
Rates and Amounts displayed are based on the following loan and program criteria:
Payment Term: 360 Months
Loan Amount: 420000
Down Payment: 105000
RatePointsMarginAPREst Closing CostsMonthly Principal & Interest
4.500%0.000%NA4.538%$1,086.00$2,128.08

 

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