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Rates & Loans



Rate Sheet as of 08/14/2018
Maximum rebate to customer is to cover NRCC

 Rates are currently being revised. Please call (800)560-7766 to lock-in your rate. 
Conforming Loan (Loan amount <= $679,650*) Some counties are lower.

* Extra price adjustment might apply. 

Conforming Loan (Loan amount <= $453,100)
30 Years Fixed
15 Years Fixed
3/1 ARM
Rate
Points
APR
Rate
Points
APR
Rate
Points
APR
3.875%
3.204
4.212%
2.875%
4.795
3.704%
2.250%
4.448
4.136%
4.000%
2.612
4.287%
3.000%
4.290
3.754%
2.375%
4.174
4.135%
4.125%
1.954
4.357%
3.125%
3.763
3.800%
2.500%
3.937
4.137%
4.250%
1.312
4.428%
3.250%
2.957
3.804%
2.625%
3.685
4.137%
4.375%
0.720
4.503%
3.375%
2.511
3.862%
2.750%
3.471
4.141%
4.500%
0.241
4.587%
3.500%
2.049
3.919%
2.875%
3.241
4.144%
4.625%
-0.334
4.663%
3.625%
1.517
3.965%
3.000%
3.020
4.147%
4.750%
-0.914
4.738%
3.750%
1.104
4.029%
3.125%
2.802
4.150%
4.875%
-1.445
4.817%
3.875%
0.767
4.104%
3.250%
2.593
4.154%
5.000%
-1.891
4.902%
4.000%
0.473
4.185%
3.375%
2.388
4.159%
5.125% -2.273 4.994% 4.125% -0.035 4.235% 3.500% 2.200 4.164%
5.250% 2.824 5.070% 4.250% -0.388 4.307% 3.625% 2.017 4.171%
5.375% -3.283 5.154% 4.375% -0.694 4.387% 3.750% 1.869 4.180%
5.500% -3.635 5.246% 4.500% -1.005 4.465% 3.875% 1.731 4.190%
5.625% -3.951 5.342% 4.625% -1.184 4.563% 4.000% 1.506 4.192%
  -4.503 -0.242% 4.750% -1.563 4.631% 4.125% 1.260 4.192%
      4.875% -1.801 4.720% 4.250% 1.013 4.193%

 Rates are currently being revised. Please call (800)560-7766 to lock-in your rate. 
5/1 ARM
7/1 ARM
10/1 ARM
Rate
Points
APR
Rate
Points
APR
Rate
Points
APR
2.250%
4.551
3.949%
2.500%
4.501
3.861%
2.750%
5.962
3.907%
2.375%
4.167
3.953%
2.625%
4.053
3.872%
2.875%
5.229
3.911%
2.500%
3.805
3.958%
2.750%
3.633
3.886%
3.000%
4.643
3.928%
2.625%
3.432
3.963%
2.875%
3.220
3.900%
3.125%
4.096
3.948%
2.750%
3.061
3.967%
3.000%
2.807
3.914%
3.250%
3.547
3.968%
2.875%
2.719
3.974%
3.125%
2.395
3.928%
3.375%
3.000
3.988%
3.000%
2.380
3.981%
3.250%
2.041
3.947%
3.500%
2.467
4.009%
3.125%
2.041
3.989%
3.375%
1.703
3.967%
3.625%
1.941
4.031%
3.250%
1.704
3.996%
3.500%
1.366
3.987%
3.750%
1.543
4.063%
3.375%
1.383
4.004%
3.625%
1.032
4.007%
3.875%
1.179
4.098%
3.500% 1.064 4.013% 3.750% 0.685 4.026% 4.000% 0.802 4.132%
3.625% 0.746 4.022% 3.875% 0.337 4.045% 4.125% 0.423 4.165%
3.750% 0.430 4.030% 4.000% 0.020 4.066% 4.250% 0.063 4.200%
3.875% 0.114 4.039% 4.125% -0.287 4.088% 4.375% -0.291 4.235%
4.000% -0.199 4.048% 4.250% -0.593 4.109% 4.500% -0.595 4.273%
4.125% -0.497 4.058% 4.375% -0.898 4.131% 4.625% -0.886 4.313%
4.250%     4.500% -1.172 4.155% 4.750% -1.078 4.361%
4.375%     4.625% -1.439 4.180% 4.875% -1.245 4.411%

Price Adjustment

LTV/FICO (>15 Yr) Loan Amount Adjuster             Fixed           ARM
  <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97
>=740 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.7500
720-739 0.000 0.250 0.500 0.750 0.500 0.500 0.500 1.0000
700-719 0.000 0.500 1.000 1.250 1.000 1.000 1.000 1.5000
680-699 0.000 0.500 1.250 1.875 1.625 1.375 1.375 1.6250
660-679 0.000 1.000 2.250 2.875 2.875 2.375 2.375 2.3750
640-659 0.500 1.250 2.750 3.125 3.375 2.875 2.875 2.8750
Cash Out
  <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-97
>=740 0.375 0.625 0.625 0.875 n/a n/a n/a
720-739 0.375 1.000 1.000 1.125 n/a n/a n/a
700-719 0.375 1.000 1.000 1.125 n/a n/a n/a
680-699 0.375 1.125 1.125 1.750 n/a n/a n/a
660-679 0.625 1.125 1.125 1.875 n/a n/a n/a
640-659 0.625 1.625 1.625 2.625 n/a n/a n/a
Subordinate Financing
LTV CLTV <720 FICO >=720 FICO
<=75 <=80 0.375 0.375
<=65 80.01-95 0.875 0.625
65.01-75 80.01-95 1.125 0.875
75.01-95 76.01-95 1.3750 1.1250
<=95 95.01-97 1.8750 1.8750
Lock Periods Cost
15 Day - On approved loans only (0.125)
21 Day (0.060)
30 Day 0.000
45 Day  0.125
60 Day 0.250
Lock Extensions Cost
7 Days 0.125
15 Days 0.250
30 Days 0.500
<$100K (min $50K)                     1.200           0.700
$100K <200K                               0.200          0.200
$200K <$300K                             0.100          0.100
$300K <$350K                              0.050         0.050   
$350K                                            0.000        
Investment Property                      Fixed           ARM
1-4 Unit, LTV<=75                         2.125           2.125
1 Unit, LTV 75.01-80                     3.375          3.3750
1 Unit, LTV 80.01-85                      4.125         4.1250
Additional Adjustments
2 Units                                                             1.000 
3-4 Units, <=80%                                             1.000
3-4 Units, 80.01-85                                           1.500
3-4 Units, 85.01+                                              2.000
Attached Condo >75 LTV, >15Yr                      0.750
Condo (N/A PUDs & Site Condos)                   0.125
Manual UW - DU Fixed Only                            0.5000
ARM LTV >90<=95                                           0.250
Max Final Pricing
Conf DU & LP                                                   (5.000)
ARM info
Margin: 2.25; Caps: 5/2/5 (except 5/1 Cap:2/2/5
Index: 1 year LIBOR

 


High-Balance (Loan amount Ranging from $453,100 to $679,650*) Some counties are lower. 
30 Years Fixed
15 Years Fixed
3/1 ARM
Rate
Points
APR
Rate
Points
APR
Rate
Points
APR
3.250%
7.821
3.977%
2.875%
5.218
3.770%
2.250%
       5.198
4.203%
3.375%
6.999
4.033%
3.000%
4.787
3.831%
2.375%
4.924
4.201%
3.500%
6.181
4.090%
3.125%
4.283
3.880%
2.500%
4.687
4.203%
3.625%
5.359
4.145%
3.250%
3.372
3.867%
2.625%
4.435
4.203%
3.750%
4.609
4.207%
3.375%
2.959
3.931%
2.750%
4.221
4.207%
3.875%
3.918
4.274%
3.500%
2.550
3.995%
2.875%
3.991
4.209%
4.000%
3.133
4.333%
3.625%
2.075
4.049%
3.000%
3.770
4.212%
4.125%
2.374
4.394%
3.750%
1.656
4.112%
3.125%
3.552
4.216%
4.250%
1.687
4.460%
3.875%
1.212
4.171%
3.250%
3.343
4.219%
4.375%
1.078
4.534%
4.000%
0.800
4.235%
3.375%
3.138
4.224%
4.500% 0.540 4.613% 4.125% 0.348 4.292% 3.500% 2.950 4.229%
4.625% 0.200 4.709% 4.250% -0.012 4.363% 3.625% 2.767 4.235%
4.750% -0.414 4.781% 4.375% -0.213 4.459% 3.750% 2.619 4.244%
4.875% -0.958 4.859%       3.875% 2.481 4.254%
5.000% -1.461 4.940%       4.000% 2.256 4.256%
5.125% -1.013 5.104%       4.125% 12010 4.257%
5.250% -1.575 5.179%       4.250% 1.763 4.257%
5.375% -2.074 5.259%            
                 


 

5/1 ARM
7/1 ARM
10/1 ARM
Rate
Points
APR
Rate
Points
APR
Rate
Points
APR
2.375%
5.301
4.052%
2.750%
5.251
4.027%
2.750%
6.712
3.973%
2.500%
4.917
4.055%
2.875%
4.803
4.037%
2.875%
5.979
3.977%
2.625%
4.555
4.060%
3.000%
4.383
4.050%
3.000%
5.393
3.994%
2.750%
4.182
4.064%
3.125%
3.970
4.064%
3.125%
4.846
4.014%
2.875%
3.811
4.069%
3.250%
3.557
4.077%
3.250%
4.297
4.033%
3.000%
3.469
4.075%
3.375%
3.145
4.091%
3.375%
3.750
4.053%
3.125%
3.130
4.082%
3.500%
2.791
4.109%
3.500%
3.217
4.074%
3.250%
2.791
4.089%
3.625%
2.453
4.128%
3.625%
2.691
4.095%
3.375%
2.424
4.096%
3.750%
2.116
4.148%
3.750%
2.293
4.127%
3.500%
2.133
4.104%
3.875%
1.782
4.167%
3.875%
1.929
4.162%
3.625% 1.814 4.112% 4.000% 1.435 4.186% 4.000% 1.552 4.196%
3.750% 1.496 4.120% 4.125% 1.087 4.204% 4.125% 1.173 4.229%
3.875% 1.180 4.129% 4.250% 0.770 4.224% 4.250% 0.813 4.263%
4.000% 0.864 4.137% 4.375% 0.463 4.246% 4.375% 0.459 4.298%
4.125% 0.551 4.146% 4.500% 0.157 4.267% 4.500% 0.155 4.337%
4.250% 0.253 4.155% 4.625% -0.148 4.288% 4.625% -0.136 4.377%
4.375% 102.250   4.750% -0.422 4.312% 4.750% -0.328 4.425%
4.500% 102.250   4.875% -0.689 4.336% 4.875% -0.495 4.474%

 

Price Adjustment

High Balance & Super Conforming Fixed (>15 Yr) Escrow Waver (Yes = Taxes and Insurance)
  <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95
>=740 0.000 0.250 0.250 0.500 0.250 0.250 0.250
720-739 0.000 0.250 0.500 0.750 0.500 0.500 0.500
700-719 0.000 0.500 1.000 1.250 1.000 1.000 1.000
680-699 0.000 0.500 1.250 1.875 1.625 1.375 1.375
660-679 0.000 1.000 2.250 2.875 2.875 2.375 2.375
640-659 0.500 1.250 2.750 3.125 3.375 2.875 2.875
LTV/FICO - High Balance & Super Conforming ARM (>15 Yr)
  <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95
>=740 0.000 0.250 0.250 1.250 1.000 1.000 1.250
720-739 0.000 0.250 0.500 1.500 1.250 1.250 1.500
700-719 0.000 0.500 1.000 2.125 2.000 2.000 2.250
680-699 0.000 0.500 1.375 2.750 2.500 2.250 2.500
660-679 0.000 1.125 2.250 3.500 3.750 3.250 3.500
640-659 0.500 1.375 2.750 4.000 4.250 3.750 4.000
Cash Out
  Fixed ARM
  <=60 60.01-70 70.01-75 75.01-80 <=60 60.01-75 75.01-80
>=740 1.375 1.625 1.625 1.875 2.125 2.375 3.375
720-739 1.375 2.000 2.000 2.125 2.125 2.750 3.625
700-719 1.375 2.000 2.000 2.125 2.125 2.750 3.625
680-699 1.375 2.125 2.125 2.750 2.125 2.875 4.250
660-679 1.625 2.125 2.125 2.875 2.375 2.875 4.375
640-659 1.625 2.625 2.625 3.625 2.375 3.375 5.125
Subordinate Financing
LTV CLTV <720 FICO >=720 FICO
<=75 <=80 0.375 0.375
<=65 80.01-95 0.875 0.625
65.01-75 80.01-95 1.125 0.875
75.01-95 75.01-95 1.375 1.125
Investment Property
1-4 Unit, LTV<=75 2.125
1 Unit, LTV 75.01-80 3.375
1 Unit, LTV 80.01-85 4.125
Additional Adjustments  Fixed ARM
2-4 Units 1.000 1.000
Attached Condo >75 LTV,.15 Yr 0.750 0.750
Condo (N/A PUDs & Site Condos) 0.125 0.125
Manuel UW - DU Fixed Only 0.500 n/a
ARM LTV >90 <=95 n/a 0.250
Max Final Pricing 
HB & SC (3.500)
ARM info
Margin: 2.25; Caps:5/2/5 (except 5/1 Cap:2/2/5
Index: 1 year LIBOR
Lock Period  Cost
15 Day - On approved loans only (0.125)
21 Day (0.060)
30 Day 0.000
45 Day 0.125
60 Day 0.250
Lock Extension  Cost Cost
7 Days 0.125 0.125
15 Days 0.250 0.250
30 Days 0.500 0.500

 

 


 Rates are currently being revised. Please call (800)560-7766 to lock-in your rate. 

FHA 30 Years Fixed (Loan amount up to County limit set by HUD)

Original
Rate
Points
APR
3.250%
-0.309
3.274%
3.375%
-0.774
3.362%
3.625%
-1.220
3.576%
3.750%
-1.648
3.666%
3.875%
-1.805
3.778%
4.000%
-1.805
3.902%
4.125%
-2.642
3.959%
4.250%
-3.034
4.050%
4.375%
-2.678
4.203%
4.500%
-2.678
4.327%
4.625%
-3.072
4.418%
* Extra price adjustment might apply. Some counties are lower

 

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