| Conventional | |||
|---|---|---|---|
| Product | Rate | APR | Points |
| 30 Year Fixed | 5.375% | 5.457% | 0.000 |
| 30 Year Super Conf $647,200 - $970,800 | 5.625% | 5.684% | 0.250 |
| 20 Year Fixed | 5.125% | 5.232% | 0.000 |
| 15 Year Fixed | 5.000% | 5.134% | 0.000 |
| 10 Year Fixed | 4.375% | 4.553% | 0.000 |
| ARMS | |||
|---|---|---|---|
| Product | Rate | APR | Points |
| 10/6mo SOFR ARM | 4.000% | 4.097% | 0.000 |
| 7/6mo SOFR ARM | 3.875% | 4.057% | 0.000 |
| 7/5 ARM -after 7yrs adjusts every 5 years - loans up to $2M | 3.625% | 3.960% | 1.000 |
| 5/6mo SOFR ARM | 3.750% | 4.041% | 0.000 |
| 5/5 SOFR ARM -adjusts every 5 years - Loans up to $2M | 3.500% | 3.968% | 1.000 |
30 Year Fixed
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $280,000 and an estimated property value of $350,000. The property is an existing single family detached residence and will be used as a primary residence. Posted rates for refinance transactions assume LTV of 60% or less.
Pricing and programs for condos, second homes and higher LTV's are available. LTV's over 80% require PMI.
At a 5.375% interest rate, the APR for this loan type is 5.457%. The monthly payment schedule would be:
360 payments of $1,567.91 at an interest rate of 5.375%
If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.
30 Year Super Conf $647,200 - $970,800
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $750,000 and an estimated property value of $1,000,000. The property is an existing single family detached residence and will be used as a primary residence. Posted rates for refinance transactions assume LTV of 60% or less.
Pricing and programs for condos, second homes and higher LTV's are available. LTV's over 80% require PMI.
At a 5.625% interest rate, the APR for this loan type is 5.684%. The monthly payment schedule would be:
360 payments of $4,317.42 at an interest rate of 5.625%
If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.
20 Year Fixed
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $280,000 and an estimated property value of $350,000. The property is an existing single family detached residence and will be used as a primary residence. Posted rates for refinance transactions assume LTV of 60% or less.
Pricing and programs for condos, second homes and higher LTV's are available. LTV's over 80% require PMI.
At a 5.125% interest rate, the APR for this loan type is 5.232%. The monthly payment schedule would be:
240 payments of $1,867.26 at an interest rate of 5.125%
If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.
15 Year Fixed
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $280,000 and an estimated property value of $350,000. The property is an existing single family detached residence and will be used as a primary residence. Posted rates for refinance transactions assume LTV of 60% or less.
Pricing and programs for condos, second homes and higher LTV's are available. LTV's over 80% require PMI.
At a 5.000% interest rate, the APR for this loan type is 5.134%. The monthly payment schedule would be:
180 payments of $2,214.22 at an interest rate of 5.000%
If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.
10 Year Fixed
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $280,000 and an estimated property value of $350,000. The property is an existing single family detached residence and will be used as a primary residence. Posted rates for refinance transactions assume LTV of 60% or less.
Pricing and programs for condos, second homes and higher LTV's are available. LTV's over 80% require PMI.
At a 4.375% interest rate, the APR for this loan type is 4.553%. The monthly payment schedule would be:
120 payments of $2,885.03 at an interest rate of 4.375%
If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.
7/6mo SOFR ARM
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $280,000 and an estimated property value of $350,000. The property is an existing single family detached residence and will be used as a primary residence. Posted rates for refinance transactions assume LTV of 60% or less.
Pricing and programs for condos, second homes and higher LTV's are available. LTV's over 80% require PMI.
At a 3.875% interest rate, the APR for this loan type is 4.057%. The monthly payment schedule would be:
84 payments of $1,316.66 at an interest rate of 3.875%
276 payments of $1,341.24 at an interest rate of 4.064%
If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.
*Interest rate under this ARM program can change after 84 months and every 6 months thereafter. The first interest rate adjustment can increase or decrease up to 5 percentage points. Every 6 months thereafter, the interest rate cannot increase or decrease more than 1 percentage point per adjustment. Interest rate will never be greater than 5 percentage points above the initial rate or lower than 5 percentage points lower than initial rate. Rate will never adjust below margin.
7/5 ARM -after 7yrs adjusts every 5 years - loans up to $2M
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $280,000 and an estimated property value of $350,000. The property is an existing single family detached residence and will be used as a primary residence. Posted rates for refinance transactions assume LTV of 60% or less.
Pricing and programs for condos, second homes and higher LTV's are available. LTV's over 80% require PMI.
At a 3.625% interest rate, the APR for this loan type is 3.960%. The monthly payment schedule would be:
84 payments of $1,276.94 at an interest rate of 3.625%
276 payments of $1,333.31 at an interest rate of 4.064%
If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.
*Interest rate under this ARM program can change after 84 months and every 60 months thereafter. The first interest rate adjustment can increase or decrease up to 5 percentage points. Every 60 months thereafter, the interest rate cannot increase or decrease more than 2 percentage point per adjustment. Interest rate will never be greater than 5 percentage points above the initial rate or lower than 5 percentage points lower than initial rate. Rate will never adjust below margin.
5/6mo SOFR ARM
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $280,000 and an estimated property value of $350,000. The property is an existing single family detached residence and will be used as a primary residence. Posted rates for refinance transactions assume LTV of 60% or less.
Pricing and programs for condos, second homes and higher LTV's are available. LTV's over 80% require PMI.
At a 3.750% interest rate, the APR for this loan type is 4.041%. The monthly payment schedule would be:
60 payments of $1,296.72 at an interest rate of 3.750%
300 payments of $1,340.22 at an interest rate of 4.064%
If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.
*Interest rate under this ARM program can change after 60 months and every 6 months thereafter. The first interest rate adjustment can increase or decrease up to 2 percentage points. Every 6 months thereafter, the interest rate cannot increase or decrease more than 1 percentage point per adjustment. Interest rate will never be greater than 5 percentage points above the initial rate or lower than 5 percentage points lower than initial rate. Rate will never adjust below margin.
5/5 SOFR ARM -adjusts every 5 years - Loans up to $2M
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $280,000 and an estimated property value of $350,000. The property is an existing single family detached residence and will be used as a primary residence. Posted rates for refinance transactions assume LTV of 60% or less.
Pricing and programs for condos, second homes and higher LTV's are available. LTV's over 80% require PMI.
At a 3.500% interest rate, the APR for this loan type is 3.968%. The monthly payment schedule would be:
60 payments of $1,257.32 at an interest rate of 3.500%
300 payments of $1,334.56 at an interest rate of 4.064%
If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.
*Interest rate under this ARM program can change after 60 months and every 60 months thereafter. The interest rate cannot increase or decrease more than 2 percentage points per adjustment. Interest rate will never be greater than 5 percentage points above the initial rate or lower than 5 percentage points lower than initial rate. Rate will never adjust below margin.
10/6mo SOFR ARM
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $280,000 and an estimated property value of $350,000. The property is an existing single family detached residence and will be used as a primary residence. Posted rates for refinance transactions assume LTV of 60% or less.
Pricing and programs for condos, second homes and higher LTV's are available. LTV's over 80% require PMI.
At a 4.000% interest rate, the APR for this loan type is 4.097%. The monthly payment schedule would be:
120 payments of $1,336.76 at an interest rate of 4.000%
240 payments of $1,344.21 at an interest rate of 4.064%
If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.
*Interest rate under this ARM program can change after 120 months and every 6 months thereafter. The first interest rate adjustment can increase or decrease up to 5 percentage points. Every 6 months thereafter, the interest rate cannot increase or decrease more than 1 percentage point per adjustment. Interest rate will never be greater than 5 percentage points above the initial rate or lower than 5 percentage points lower than initial rate. Rate will never adjust below margin.