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Rates & Loans



Rate Sheet as of 04/19/2018
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
3.250%
#N/A
 
2.375%
7.191
3.565%
2.000%
#N/A
 
3.375%
#N/A
 
2.500%
6.563
3.595%
2.125%
#N/A
 
3.502%
5.779
4.054%
2.625%
5.988
3.633%
2.250%
4.225
4.117%
3.625%
4.974
4.111%
2.750%
5.232
3.644%
2.375%
3.955
4.116%
3.750%
4.267
4.177%
2.875%
4.719
3.692%
2.500%
3.723
4.118%
3.875%
3.552
4.242%
3.000%
4.229
3744%
2.625%
3.477
4.119%
4.000%
2.762
4.301%
3.125%
3.694
3.789%
2.750%
3.260
4.123%
4.125%
2.166
4.376%
3.250%
3.069
3.821%
2.875%
3.026
4.125%
4.250%
1.449
4.440%
3.375%
2.665
3.886%
3.000%
2.830
4.130%
4.375%
0.878
4.516%
3.500%
2.258
3.951%
3.125%
2.618
4.134%
4.500% 0.286 4.591% 3.625% 1.774 4.004% 3.250% 2.416 4.139%
4.625% -0.253 4.670% 3.750% 1.213 4.045% 3.375% 2.216 4.144%
4.7509 -1.789 4.748% 3.875% 0.748 4.101% 3.500% 2.034 4.150%
4.875% -1.296 4.829% 4.000% 0.281 4.157% 3.625% 1.856 4.157%
5.000% -1.752 4.915% 4.125% -0.202 4.210% 3.750% 1.713 4.166%
      4.250% -0.595 4.276% 3.875% 1.578 4.176%
      4.375% -0.953 4.348% 4.000% 1.355 4.179%

 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%
#N/A
 
2.500%
#N/A
 
2.750%
6.021
3.912%
2.375%
4.900
4.017%
2.625%
#N/A
 
2.875%
5.262
3.914%
2.500%
4.522
4.021%
2.750%
4.806
3.987%
3.000%
4.697
3.933%
2.625%
4.166
4.026%
2.875%
4.351
3.998%
3.125%
4.155
3.953%
2.750%
3.791
4.030%
3.000%
3.952
4.013%
3.250%
3.675
3.979%
2.875%
3.441
4.036%
3.125%
3.542
4.027%
3.375%
3.214
4.007%
3.000%
3.095
4.043%
3.250%
3.133
4.040%
3.500%
2.721
4.031%
3.125%
2.754
4.050%
3.375%
2.726
4.054%
3.625%
2.224
4.055%
3.250%
2.428
4.058%
3.500%
2.333
4.069%
3.750%
1.775
4.083%
3.375%
2.104
4.066%
3.625%
1.947
4.085%
3.875%
1.339
4.112%
3.500% 1.781 4.074% 3.750% 1.591 4.103% 4.000% 0.937 4.143%
3.625% 1.461 4.082% 3.875% 1.244 4.121% 4.125% 0.544 4.175%
3.750% 1.185 4.094% 4.000% 0.929 4.143% 4.250% 0.265 4.217%
3.875% 0.909 4.106% 4.125% 0.622 4.164% 4.375% 0.015 4.260%
4.000% 0.646 4.119% 4.250% 0.374 4.191% 4.500% -0.203 4.307%
4.125% 0.382 4.131% 4.375% 0.142 4.219% 4.625% -0.415 4.353%
4.250%     4.500% -0.089 4.246% 4.750% -0.579 4.403%
4.375%     4.625% -0.320 4.274% 4.875% -0.733 4.454%

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
3.500%
6.368
4.106%
2.625%
6.492
3.713%
2.000%
#N/A
 
3.625%
5.508
4.159%
2.750%
5.538
3.691%
2.125%
#N/A
 
3.752%
4.765
4.221%
2.875%
5.068
3.746%
2.250%
4.975
4.183%
3.875%
4.135
4.294%
3.000%
4.585
3.799%
2.375%
4.705
4.182%
4.000%
3.401
4.357%
3.125%
4.082
3.849%
2.500%
4.473
4.184%
4.125%
2.625
4.416%
3.250%
3.367
3.866%
2.625%
4.227
4.185%
4.250%
1.949
4.483%
3.375%
2.939
3.928%
2.750%
4.010
4.188%
4.375%
1.375
4.526%
3.500%
2.515
3.990%
2.875%
3.776
4.190%
4.500%
0.840
4.639%
3.625%
2.044
4.045%
3.000%
3.580
4.196%
4.625%
0.256
4.714%
3.750%
1.540
4.094%
3.125%
3.368
4.199%
4.750% -0.351 4.787% 3.875% 1.098 4.154% 3.250% 3.166 4.204%
4.875% -0.863 4.867% 4.000% 0.661 4.214% 3.375% 2.966 4.209%
5.000% -1.339 4.950% 4.125% 0.206 4.271% 3.500% 2.784 4.215%
5.125% -1.080 5.098%       3.625% 2.606 4.221%
5.250% 1.647 5.172%       3.750% 2.463 4.231%
5.375% -2.154 5.252%       3.875% 2.328 4.241%
5.500% -2.636 5.334%       4.000% 2.105 4.243%
5.625% -1.080 5.597%            
                 


 

5/1 ARM
7/1 ARM
10/1 ARM
Rate
Points
APR
Rate
Points
APR
Rate
Points
APR
2.250%
#N/A
 
2.500%
#N/A
 
2.750%
6.771
3.979%
2.375%
5.650
4.083%
2.625%
#N/A
 
2.875%
6.012
3.980%
2.500%
5.272
4.087%
2.750%
5.556
4.054%
3.000%
5.447
3.998%
2.625%
4.916
4.092%
2.875%
5.101
4.063%
3.125%
4.905
4.019%
2.750%
4.541
4.096%
3.000%
4.702
4.078%
3.250%
4.425
4.045%
2.875%
4.191
4.102%
3.125%
4.292
4.092%
3.375%
3.964
4.072%
3.000%
3.845
4.108%
3.250%
3.883
4.106%
3.500%
3.471
4.096%
3.125%
3.504
4.115%
3.375%
3.476
4.119%
3.625%
2.974
4.120%
3.250%
3.178
4.122%
3.500%
3.083
4.134%
3.750%
2.525
4.147%
3.375%
2.854
4.130%
3.625%
2.697
4.149%
3.875%
2.089
4.176%
3.500% 2.531 4.138% 3.750% 2.341 4.167% 4.000% 1.687 4.207%
3.625% 2.211 4.146% 3.875% 1.994 4.186% 4.125% 1.294 4.239%
3.750% 1.935 4.158% 4.000% 1.679 4.207% 4.250% 1.015 4.281%
3.875% 1.659 4.170% 4.125% 1.372 4.228% 4.375% 0.765 4.324%
4.000% 1.396 4.182% 4.250% 1.124 4.255% 4.500% 0.547 4.371%
4.125% 1.132 4.195% 4.375% 0.892 4.282% 4.625% 0.335 4.417%
4.250% 102.250   4.500% 0.661 4.310% 4.750% 0.171 4.467%
4.375% 102.250   4.625% 0.430 4.337% 4.875% 0.017 4.518%

 

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%
-0.319
3.274%
3.375%
-0.794
3.361%
3.625%
-1.254
3.574%
3.750%
-1.699
3.662%
3.875%
-1.752
3.782%
4.000%
-1.752
3.907%
4.125%
-2.626
3.960%
4.250%
-3.040
4.050%
4.375%
-2.653
4.205%
4.500%
-2.653
4.329%
4.625%
-3.069
4.418%
* Extra price adjustment might apply. Some counties are lower

 

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