Rate Sheet

30 year fixed
Rate	Points	APR	Lock Days
6.875%	.0%	6.89%	30
The APR is calculated using conventional loan limit of $766,550.

30 year fixed - with points
Rate	Points	APR	Lock Days
6.5%	1.25%	6.59%	30
The APR is calculated using the conventional loan limit of $766,550 .

30 year fixed FHA
Rate	Points	APR	Lock Days
6.75%	0.000%	6.89%	30
The APR is calculated using the FHA loan limit of $530,150.

30 year fixed No Fee-No Closing Cost program
Rate	Points	APR	Lock Days
7.25%	0.000%	7.25%	30
			No fees=No change in APR

20 year fixed
Rate	Points	APR	Lock Days
6.875%	0.000%	6.89%	30
The APR is calculated using the conventional loan limit of $766,550

15 year fixed
Rate	Points	APR	Lock Days
6.5%	0.000%	6.59%	30
The APR is calculated using the conventional loam limit of $766,550 .

5/6 ARM
Rate	Points	APR	Lock Days
8%	0%	8.29%	30
The APR is calculated using the conventional loan limit of $766,550 .

7/6 ARM
Rate	Points	APR	Lock Days
8%	0%	8.29%	30
The APR is calculated using the conventional loan limit of $766,550 .

JUMBO PRODUCTS

30 Year Fixed Jumbo

Rate Points APR Lock Days

7.25% 0% 7.29% 30

The APR is calculated using a loan amount of $1,500,000

15 Year Fixed Jumbo

Rate Points APR Lock Days

7.125% 0% 7.19% 30

The APR is calculated using a loan amount of $1,500,000

NO PRE PAYMENT PENALTIES on all programs. Rates and APR's are based on loan amounts of $766,550 for Conforming Loans. No fee / no cost loan requires a minimum loan amount of $250,000 - lower loan amounts require slightly higher rates. Please call for cash out refinance pricing and non owner occupied pricing. Rates are based on owner occupied, single family home refinance mortgages with 25% equity and successful validation of appraised value of subject property. Rates assume a minimum credit score of 780, debt ratio below 40% and loan amount of $150,000. Rates, points and programs cannot be guaranteed and are subject to change without notice. Your actual rate, payment, and cost could be higher. Get an official Loan Estimate before choosing a loan. ARM Products: Rates are subject to increase after settlement. This is not an advertisement for credit as defined by paragraph 226.24 of regulation Z.

Current posted rates are in effect as of 4/22/2024

Rates are subject to change without notice.