Rates Effective as of October 27, 2011                                 10:30 AM
Single Family-
Owner Occupied

Loans $417,000 or less
(as of 01/01/2009)

Appraisal Fee $350.00

*NON CONFORMING LOANS WILL BE SUBJECT TO RATE AND POINT INCREASES*
*Non-conforming are loans not meeting FNMA guidelines
Loans with 3% - 19% down will be required to have PMI Insurance.

JUMBO LOANS - SINGLE FAMILY
SUBJECT TO REVIEW

FIXED RATES BASED ON AUTOMATIC DRAFT

 ADD.125% TO RATE WITHOUT CHECKING ACCOUNT RELATIONSHIP

 ADD .25% TO RATE WITHOUT ANY AUTOMATIC DRAFT

Cash out refinances: LTV 70% or greater, add .125% to the rate

APR - based on loan amount of $100,000

Fixed Rate Mortgages
Rate Point Annual Percentage
Rate (APR)
30 Year    
4.000% 1.00% 4.16%
4.250% 0.00% 4.32%
25 Year    
3.625% 1.00% 3.80%
3.875% 0.00% 3.96%
20 Year    
3.250% 1.00% 3.46%
3.500% 0.00% 3.60%
15 Year    
3.000% 1.00% 3.27%
3.250% 0.00% 3.37%
12 Year    
2.875% 1.00% 3.20%
3.125% 0.00% 3.28%

10 Year

    
2.750% 1.00% 3.14%
3.000% 0.00% 3.18%

The above interest rates assume loan payments are made electronically from the borrower's checking account add .25% to the stated rate for monthly payment option paid by coupon.
 

FHA LOANS NOW AVAILABLE - Come in and see a Loan Officer today.
 

Adjustable Rate Mortgage Programs*
1 Yr Rate Guarantee 2.000% 2.99% APR 0.00 Points 30 Year Amort.
3 Yr Rate Guarantee 2.500% 2.96% APR 0.00 Points 30 Year Amort.
5 Yr Rate Guarantee 3.000% 3.07% APR 0.00 Points 30 Year Amort.
7 Yr Rate Guarantee 3.500% 3.30% APR 0.00 Points 30 Year Amort.

 

*Rate may increase after consummation
2% Adjustment Cap - 8% Ceiling** - 3% Floor
**Ceiling is initial rate plus 8%
Adjustments will be at 2.75% over the 1 year U.S. Treasury Index
 

Fixed Rates - 30 day commitment
Adjustable Rates - 60 day commitment
Like us

 

Home | Search | Security | Privacy & COPPA Policy

Click here to send questions or comments

 

 

Each Depositor is Insured for at least $250,000.00.

 

For a summary of Coverage and Coverage Limits, please follow the link below:

FDIC Deposit Insurance Summary and Limits