pToday's Mortgage Rates

A negative number as discount point means you will get a credit for that percentage to your total closing costs. For example a negative .75% on $200,000 loan = $1500 credit to closing costs.

These are Owner Occupied Property Rates with a 740+ FICO score, < 75%Loan to Value rate and term refinances. Loan amounts of $150,000-$417,000

2/3/2012 8:10:06 AM

Closing Costs

30 Year Fixed Conforming 1st Mortgage

Interest only option available for 1st 10 years - Call for Pricing

Interest Rate	Origination Fee	Discount Points	APR
3.500%	0.000%	1.875%	3.704%
3.625%	0.000%	1.375%	3.782%
3.750%	0.000%	0.875%	3.859%
3.875%	0.000%	0.375%	3.937%
3.990%	0.000%	-0.625%	3.990%
4.125%	0.000%	-1.000%	4.125%

15 Year Fixed Conforming 1st Mortgage

Interest Rate	Origination Fee	Discount Points	APR
2.750%	0.000%	2.250%	3.151%
2.875%	0.000%	1.500%	3.157%
3.000%	0.000%	0.875%	3.182%
3.125%	0.000%	0.500%	3.248%
3.250%	0.000%	0.375%	3.353%

3/1 ARM 1st Mortgage ARM Info

Interest Rate	Origination Fee	Discount Points	APR
2.625%	0.000%	1.375%	2.625%
2.750%	0.000%	1.000%	2.750%
2.875%	0.000%	0.750%	2.875%
3.125%	0.000%	0.500%	3.125%

5/1 ARM 1st Mortgage ARM Info

Interest Rate	Origination Fee	Discount Points	APR
2.625%	0.000%	0.875%	2.625%
2.750%	0.000%	0.500%	2.750%
2.875%	0.000%	0.125%	2.875%
3.000%	0.000%	-0.125%	3.000%
3.125%	0.000%	-0.375%	3.125%

7/1 ARM 1st Mortgage ARM Info

Interest Rate	Origination Fee	Discount Points	APR
2.875%	0.000%	1.000%	2.875%
3.000%	0.000%	0.500%	3.000%
3.125%	0.000%	0.250%	3.125%
3.250%	0.000%	-0.125%	3.250%
3.375%	0.000%	-0.250%	3.375%

Rates are based on 45 day lock to funding.

Rates and points are based on $100,000-$417,000 loan amount originated on internet - * add .5 discount for loans $75,000 - $99,950 * add 1% discount for loans $50,000- $74,950. Cash out is available on most programs. For over 60% loan to value - add .25 to discount, For over 75% add .5 discount. Rate and tern refinances add .25 to discount for 75% to 80% loan to value. All rates based on 740+ credit score. Loans may have other pricing adjustments based on loan to value and credit score - please call. Escrow account waiver is available on all loans for a .25% escrow waiver fee - subject to loan to value limitations and underwriter approval. ** Rates subject to change at any time without notice. All loans subject to underwriter approval.

For Jumbo and 2nd Mortgage Rates

Please call 303-466-3562 or Toll Free @ 1-866-466-3012