RATES & PRICING

1-877-981-LOAN

RATES & PRICING - california Change States

GUARANTEED CLOSING COSTS, THE INTEREST RATE, POINTS AND/OR REBATES ARE DELIVERED IF THE INTEREST RATE WAS LOCKED IN AND YOUR LOAN FUNDS BY THE LOCK EXPIRATION DATE. A RATE LOCK DOES NOT GUARANTEE LOAN APPROVAL OR LOAN CLOSING. DUE TO U.S. TREASURY SECURITIES MARKETS AND/OR OTHER FACTORS, RATES, TERMS AND PROGRAMS ARE SUBJECT TO CHANGE WITHOUT NOTICE. APPLYING FOR A MORTGAGE LOAN OR LOCKING IN AN INTEREST RATE DOES NOT OBLIGATE YOU TO CLOSE YOUR LOAN.

EFFECTIVE APRIL 1, 2011 THE FEDERAL RESERVE BOARD HAS AMENDED REGULATION Z, THE IMPLEMENTING REGULATION FOR THE TRUTH IN LENDING ACT (TILA), REGARDING LOAN ORIGINATION COMPENSATION AS THE FINAL RULE. THIS REGULATES MORTGAGE LOAN COMPENSATION AS EITHER (1) BORROWER PAID OR (2) LENDER PAID, NOT BOTH. PLEASE CLICK HERE TO REVIEW (1) BORROWER-PAID COMPENSATION OR (2) LENDER PAID OR YIELD SPREAD CREDIT REBATE COMPENSATION.

FEDERAL RULES ARE DESIGNED TO GUIDE THE BORROWER INTO A LOWER INTEREST RATE, PROVIDED THAT THE LENDER PAID REBATE CREDIT EXCEEDS A COMBINATION OF: (1) NON-RECURRING CLOSING COSTS PLUS (2) ACCRUED INTEREST ON THE PROPOSED LOAN PLUS (3) HOME OWNERS INSURANCE PREMIUMS DUE, IF ANY, PLUS (4) 1ST OR 2ND HALF PROPERTY TAX INSTALLMENT(S) DUE, IF ANY, PLUS (5) IMPOUND DEPOSITS, IF ANY, AS APPLICABLE. IF THE LENDER PAID REBATE CREDIT EXCEEDS ITEMS 1-5 ABOVE THEN THE BORROWER MUST TAKE A LOWER INTEREST RATE WITH A LESSER REBATE OR ANY EXCESS REBATE MAY BE APPLIED TOWARDS PRINCIPAL CURTAILMENT OR LOAN BALANCE REDUCTION.

IT IS VERY IMPORTANT TO UNDERSTAND THAT POINTS AND/OR REBATE CREDIT POINTS, IF ANY, ARE DIRECTLY LINKED TO A SPECIFIC INTEREST % RATE AND ARE EXPRESSED AS A TOTAL IN THE NET POINTS COLUMN. THE COMBINATION OF POINTS AND ANY REBATE CREDIT POINTS SHOULD BE CONSIDERED BY YOU IN CLOSING YOUR LOAN.



Interest Rates,Terms and/or Loan Programs can change without prior notice. Ask us for current rate information. Borrowers and properties must qualify for all loan programs. Conditions and restrictions may apply.



LAST UPDATE: 2018-12-14 17:13:54 EST


TO LOCK IN A RATE PLEASE FILL OUT THE FAST INQUIRY FORM OR CALL 877-981-5626 AND REQUEST INSTRUCTIONS TO FAST DELIVER YOUR LOAN APPLICATION PACKAGE. PROGRAMS, RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE. SEE GUARANTEED CLOSING COSTS. THE NET REBATE CREDIT % MULTIPLIED BY THE LOAN AMOUNT IS THE LENDER'S CREDIT SUM APPLIED TOWARDS CLOSING COSTS. THE INTEREST RATE, NET POINTS AND/OR REBATES ARE GUARANTEED IF YOUR LOAN IS LOCKED IN AND YOUR LOAN FUNDS BY LOCK EXPIRATION. BROKER COMPENSATION IS NOT BASED ON THE INTEREST RATE. PLEASE REVIEW OTHER DETAILS BELOW.


Conforming Loan Programs

MAXIMUM $484,350 SINGLE FAMILY RESIDENCE, OWNER OCCUPIED. FULL INCOME AND ASSET DOCUMENTATION. MINIMUM 620 FICO SCORE. PLEASE CALL FOR QUOTES ON 2-4 UNITS, CONDOS, INVESTMENT PROPERTY AND CASH-OUT. 1 UNIT $484,350 - 2 UNITS $620,200 - 3 UNITS $749,650 - 4 UNITS $931,600

If you don't find the rate you're looking for, CLICK HERE to let us know what rate you want!



High Balance Conforming Loan Programs

MAXIMUM $726,525 SINGLE FAMILY RESIDENCE. LOAN LIMITS MAY VARY BY COUNTY. FULL ASSET AND INCOME DOCUMENTATION. MINIMUM 620 FICO SCORE. PLEASE CALL FOR PRICING ON INVESTMENT PROPERTY, 2-4 UNITS AND CONDOS. 1 UNIT $726,525 - 2 UNITS $930,300 - 3 UNITS $1,124,475 - 4 UNITS $1,397,400

If you don't find the rate you're looking for, CLICK HERE to let us know what rate you want!

High Balance Conforming Loan Programs CLICK HERE FOR DISCLOSURE OF LOAN TERMS


Jumbo Loan Programs

$3 MILLION MAXIMUM LOAN AMOUNT. BASE RATE PURCHASE PRICING QUOTED WITH 780 FICO SCORE <=60% LTV. PLEASE CALL FOR QUOTES ON HIGHER LOAN AMOUNTS AND/OR OTHER FACTORS.

If you don't find the rate you're looking for, CLICK HERE to let us know what rate you want!



Other Loan Programs

NON-OWNER PURCHASE MAX 80% LTV, REVERSE MORTGAGE PROGRAM. PLEASE CALL FOR QUOTE DETAILS.

If you don't find the rate you're looking for, CLICK HERE to let us know what rate you want!



CLICK TO READ THE DISCLOSURE OF IMPORTANT LOAN TERMS


APR%, NOTE RATE% AND NET POINT QUOTES ARE CALCULATED BASED ON A $250K CONFORMING LOAN AMOUNT, $500K HIGH-BALANCE CONFORMING LOAN AMOUNT AND A $750K JUMBO LOAN AMOUNT. APR% QUOTES DO NOT REFLECT CERTAIN RECURRING ITEMS SUCH AS PMI, PROPERTY TAXES AND/OR HOME OWNER'S INSURANCE AND ARE BASED ON THE NET NON-RECURRING CLOSING COSTS, IF ANY. TERMS CAN VARY DUE TO FICO SCORE, LOAN-TO-VALUE, DEBT-TO-INCOME RATIOS AND/OR OTHER UNDERWRITING FACTORS. APR% MAY VARY DUE TO THE COMPILATION OF CLOSING COSTS USED TO COMPUTE A RESPECTIVE APR% AND MAY DIFFER FROM THE ACTUAL APR% EXPRESSED IN THE LENDER'S SUPERSEDING LOAN DISCLOSURES. YOU SHOULD ALSO FOCUS ON THE NOTE RATE%, NON-RECURRING COSTS PLUS NET POINTS OR MINUS OFFSETTING REBATE CREDIT POINTS, IF ANY. THE ABOVE PROGRAM QUOTES ARE TYPICALLY EXPRESSED AS A GUIDE TO BASE PRICING AT <=60% LOAN-TO-VALUE, 740 FICO SCORE AND FULL ASSET AND INCOME DOCUMENTATION. PLEASE SEE NOTES IN EACH PROGRAM BOX. RATES, PROGRAMS AND/OR TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE. ERRORS & OMISSION EXCEPTED. CALL 877-981-5626 FOR CLARIFICATION ON YOUR FICO SCORE, LOAN-TO-VALUE AND/OR OTHER FACTORS THAT MAY AFFECT YOUR PARTICULAR CIRCUMSTANCES.

Interest Rates, Terms and/or Loan Programs can change without prior notice. Ask us for current rate information. Borrowers and properties must qualify for all loan programs. Conditions and restrictions may apply.





Loan Inquiry Form