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Last update: January 10, 2011 01:31 PM PST

Conforming | Jumbo | Government

Conforming Loan Programs

Conforming rates for loans to $417,000.

Program Rates Points APR
30 yr fixed conforming
•Interest rate does not change. •Principal and interest (P & I) does not change. •Fixed-rate mortgages fully amortize over a defined period of time and are paid in-full at the end of the loan term. 		5.125 0.000 5.212
15 yr fixed conforming
•Interest rate does not change. •Principal and interest (P & I) does not change. •Fixed-rate mortgages fully amortize over a defined period of time and are paid in-full at the end of the loan term. •Shorter term, the faster equity is built and 		4.500 0.000 4.500
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Jumbo Loan Programs

Jumbo rates for loans over $417,000.

Program Rates Points APR
30 yr fixed jumbo
•Higher rate due to jumbo pricing but the interest rate does not change. •Principal and interest (P & I) does not change. •Fixed-rate mortgages fully amortize over a defined period of time and are paid in-full at the end of the loan term. 		5.375 0.000 5.375
15 yr fixed jumbo
Shorter term which allows the client to build equity faster. Fixed term and Principal & Interest payments do not increase. 		4.875 0.000 4.875
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Government Loan Programs

Program Rates Points APR
30 yr fixed FHA
Interest rate does not change but is higher than conforming loans. •Principal and interest (P & I) does not change. •Fixed-rate mortgages fully amortize over a defined period of time and are paid in-full at the end of the loan term. 		4.750 0.000 4.750
15 yr fixed FHA
•Interest rate does not change. •Principal and interest (P & I) does not change. •Fixed-rate mortgages fully amortize over a defined period of time and are paid in-full at the end of the loan term. •Shorter term, the faster equity is built and 		4.375 0.000 4.375
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APRs are calculated based on a Conforming loan amount of $240,000, or a Jumbo loan amount of $480,000. Points/fees/rates may vary for different loan amounts.