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Mortgage Rate Update
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AN INDICATION of PURCHASE INTEREST RATES AS OF: 01-27-12
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RATES QUOTED AT A 1.00% FEE & A 30 DAY LOCK IN PERIOD
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some rates may include an impound account incentive
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CONFORMING RATES
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SUPER CONFORMING RATES
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Up to $417,000
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$417,001-$561,200
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Primary & 2nd Hm
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Non Owner 75%
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Primary & 2nd Hm
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Non Owner 65%
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INTEREST
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75%
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INTEREST
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INTEREST
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75%/65%
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INTEREST
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RATE
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APR
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RATE
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APR
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RATE
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APR
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RATE
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APR
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30 YEAR FIXED
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3.625%
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3.750%
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4.000%
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4.128%
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3.875%
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3.988%
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4.375%
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4.492%
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15 YEAR FIXED
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2.875%
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3.096%
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3.375%
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3.599%
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3.125%
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3.323%
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3.750%
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3.952%
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7 YEAR FIXED / ARM
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2.625%
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2.743%
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3.375%
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3.498%
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2.990%
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3.111%
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NA
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#######
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5 YEAR FIXED / ARM
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2.375%
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2.491%
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3.250%
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3.372%
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2.750%
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2.856%
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3.750%
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3.862%
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rates for loan amounts >$200,000, with 740 credit score, condos >75ltv add .75 points, 2-4 units add 1 point, extra points for higher LTVs
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JUMBO LOAN RATES
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GOVERNMENT LOAN RATES Primary Residence
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$561,201-$2,000,000
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INTEREST
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CALL for quote on $1 mil to $2 mil
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Primary Res. 80%
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PROGRAM
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RATE
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APR
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LTV/CLTV
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LOAN LIMITS
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CALL for 2nd Home & NOO quote
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INTEREST
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RATE
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APR
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FHA
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3.500%
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4.615%
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96.5%
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417,000
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30 YEAR FIXED
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4.500%
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4.614%
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FHA Jumbo
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3.750%
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4.854%
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96.5%
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687,500
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15 YEAR FIXED
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3.750%
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3.952%
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VA
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3.500%
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3.897%
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100%
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417,000
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10 YEAR FIXED / ARM
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3.750%
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3.859%
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VA Jumbo
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3.750%
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3.989%
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100%
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457,700
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7 YEAR FIXED / ARM
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2.990%
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3.094%
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USDA
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3.500%
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4.084%
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100%
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417,000
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5 YEAR FIXED / ARM
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2.875%
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2.978%
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HomePath
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4.750%
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4.884%
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97%
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417,000
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rates with a 740 credit score
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government loans quoted are a 30 yr loan, 740 score
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APARTMENT BUILDING LOANS 5 UNITS and UP
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30 YEAR LOAN UP TO $5,000,000
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3 YEAR FIXED
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5 YEAR FIXED
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7 YEAR FIXED
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10 YEAR FIXED
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75% LOAN TO VALUE
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4.000%
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4.000%
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4.263%
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5.000%
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1.20 DEBT SERV RATIO
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Articles & Links
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You can find great local San Luis Obispo, CA real estate information on Localism.com Paul Pickering is a proud member of the ActiveRain Real Estate Network, a free online community to help real estate professionals grow their business.">Active Rain
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