Conforming Loan Rates

3 YR ARM Conforming Loans Up to $322K			Notes: $175K-$322K loan amount / owner occupied 30 Year loan payment is fixed first three(3) years then becomes ARM Loan. No impound add .25 point. See notes and comments below.
Rate	Point	APR
5.250	0.875	5.375
5.250	0.000	5.375

5 YR ARM Conforming Loans Up to $322K			Notes: $175K-$322K loan amount. Fixed 5 YR: After 5 years then becomes ARM. No impound add .25 point. See notes and comments below.
Rate	Point	APR
5.750	0.000	5.875

Jumbo Rates

3 YR ARM Conforming Loans Up to $322K			Notes: Owner occupied. Tax impounds required. No impound add .25 points. Cash out add .25 points. Over $500K add .750 point. Over $650K add 1.00 point. Call for pricing for LTV higher than 70% . See notes and comments below.
Rate	Point	APR
6.250	0.875	6.250

3 YR ARM Jumbo Loans Over $322K			Notes: Owner occupied. Tax impounds required. No impound add .25 points. Over $500K add .750 point. Over $650K add 1.00 point. For cash out add .25 points to the fees or .125 to rate. Call for pricing for LTV higher than 70% . See notes and comments below.
Rate	Point	APR
5.750	0.000	5.750

Rates are subject to change without notice and often updated throughout the day.
Rate and fees will be higher for the following loans: Cash out loans, Investment property loans, 2-4 Family dwellings, High Rise CONDO's, FICO's less than 680.
FNMA guidelines have changed for refinances above 70% LTV that involve payoff of equity lines of credit and seconds. These loans may be considered cash out even though borrower does not receive any cash at closing.