Conforming loan (<=$417k)

Purpose of Loan    30 YR   15 YR   5/1  7/1
Purchase Loan    3.875  3.000  2.375   2.750
Refinance Loan    4.000  3.125  2.500 2.875

The rates are based on criterion below and
good for the time when they are quoted:
Loan$>=400K,FICO>=740,LTV<=75%,O/O,SFH

There is no point, no fee for refinance but
there is fee for purchase loan. Some rates
require GC/Citizen. Adding impound account
might bring in better rates.



Rate change is subject to loan amount,
impound, property type(SFH vs Condo),
financing purpose (cash out),occupancy type
( investment or second home),GC/Citizen,
LTV and other conditions.



High Balance Loan (<=625k)

Purpose of Loan    30 YR    15 YR   5/1  7/1
Purchase Loan    4.125  3.125    3.125   3.625
Refinance Loan    4.125  3.250    n/a   n/a

The rates are based on criterion below and
good for the time when they are quoted:
Loan$>=600K,FICO>=740,LTV<=75%,O/O,SFH

There is no point, no fee for refinance but
there is fee for purchase loan. Some rates
require GC/Citizen.Adding impound account
might bring in better rates.



Rate change is subject to loan amount,
impound, property type(SFH vs Condo),
financing purpose (cash out),occupancy type
( investment or second home),GC/Citizen,
LTV and other conditions.


Jumbo Loan ( Up to 2M)

Purpose of Loan    30 YR   15 YR   5/1   7/1
Purchase Loan    4.375  3.750    3.500  3.875
Refinance Loan    4.500  3.875    3.625  4.000

The rates are based on criterion below and
good for the time when they are quoted:
Loan$>=729K,FICO>=760,LTV<=60%,O/O,SFH

There is no point, no fee for refinance but
there is fee for purchase loan. Some rates
require GC/Citizen.Adding impound account
might bring in better rates.

Rate change is subject to loan amount,
impound, property type(SFH vs Condo),
financing purpose (cash out),occupancy type
( investment or second home),GC/Citizen,
LTV and other conditions.