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Rates & Loans



Rate Sheet as of 10/17/2018
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%
#N/A
 
2.875%
5.863
3.871%
2.250%
4.802
4.167%
4.000%
4.167
4.425%
3.000%
5.364
3.921%
2.375%
4.528
4.166%
4.125%
3.497
4.493%
3.125%
4.834
3.966%
2.500%
4.292
4.168%
4.250%
2.835
4.561%
3.250%
3.980
3.961%
2.625%
4.040
4.168%
4.375%
2.213
4.633%
3.375%
3.540
4.020%
2.750%
3.817
4.171%
4.500%
1.562
4.703%
3.500%
3.077
4.076%
2.875%
3.577
4.173%
4.625%
0.969
4.777%
3.625%
2.537
4.120%
3.000%
3.374
4.178%
4.750%
0.364
4.849%
3.750%
2.102
4.180%
3.125%
3.156
4.181%
4.875%
-0.201
4.925%
3.875%
1.757
4.254%
3.250%
2.946
4.185%
5.000%
-0.656
5.010%
4.000%
1.340
4.316%
3.375%
2.740
4.189%
5.125% -1.206 5.087% 4.125% 0.825 4.364% 3.500% 2.551 4.195%
5.250% 1.778 5.161% 4.250% 0.446 4.433% 3.625% 2.368 4.201%
5.375% -2.265 5.242% 4.375% 0.136 4.511% 3.750% 2.219 4.210%
5.500% -2.598 5.337% 4.500% -0.174 4.590% 3.875% 2.080 4.220%
5.625% -2.995 5.426% 4.625% -0.549 4.658% 4.000% 1.855 4.222%
  -3.557 -0.182% 4.750% -0.939 4.725% 4.125% 1.609 4.222%
      4.875% -1.164 4.816% 4.250% 1.363 4.223%

 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%
5.878
3.981%
2.750%
7.425
4.038%
2.375%
#N/A
 
2.625%
5.377
3.987%
2.875%
6.770
4.048%
2.500%
4.563
4.024%
2.750%
4.916
3.997%
3.000%
6.152
4.061%
2.625%
4.196
4.029%
2.875%
4.440
4.005%
3.125%
5.520
4.073%
2.750%
3.851
4.036%
3.000%
4.017
4.018%
3.250%
4.898
4.086%
2.875%
3.495
4.041%
3.125%
3.608
4.032%
3.375%
4.281
4.099%
3.000%
3.141
4.047%
3.250%
3.214
4.047%
3.500%
3.691
4.115%
3.125%
2.801
4.054%
3.375%
2.824
4.063%
3.625%
3.110
4.131%
3.250%
2.464
4.061%
3.500%
2.434
4.078%
3.750%
2.589
4.153%
3.375%
2.142
4.069%
3.625%
2.047
4.093%
3.875%
2.086
4.176%
3.500% 1.823 4.077% 3.750% 1.675 4.110% 4.000% 1.678 4.207%
3.625% 1.519 4.087% 3.875% 1.308 4.127% 4.125% 1.296 4.239%
3.750% 1.217 4.097% 4.000% 0.943 4.144% 4.250% 0.980 4.278%
3.875% 0.916 4.106% 4.125% 0.580 4.161% 4.375% 0.683 4.317%
4.000% 0.618 4.116% 4.250% 0.234 4.179% 4.500% 0.405 4.358%
4.125% 0.335 4.127% 4.375% -0.107 4.197% 4.625% 0.133 4.400%
4.250%     4.500% -0.389 4.221% 4.750% -0.136 4.441%
4.375%     4.625% -0.656 4.245% 4.875% -0.405 4.482%

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%
#N/A
 
2.875%
6.541
3.978%
2.250%
       5.552
4.234%
3.375%
8.648
4.184%
3.000%
6.113
4.039%
2.375%
5.278
4.233%
3.500%
7.841
4.240%
3.125%
5.604
4.087%
2.500%
5.042
4.234%
3.625%
7.037
4.297%
3.250%
4.648
4.065%
2.625%
4.790
4.235%
3.750%
6.281
4.358%
3.375%
4.238
4.128%
2.750%
4.567
4.238%
3.875%
5.590
4.424%
3.500%
3.827
4.192%
2.875%
4.327
4.239%
4.000%
4.815
4.483%
3.625%
3.339
4.243%
3.000%
4.124
4.243%
4.125%
4.043
4.542%
3.750%
2.529
4.245%
3.125%
3.906
4.247%
4.250%
3.335
4.606%
3.875%
2.083
4.304%
3.250%
3.696
4.250%
4.375%
2.696
4.676%
4.000%
1.666
4.366%
3.375%
3.490
4.255%
4.500% 2.057 4.746% 4.125% 1.198 4.421% 3.500% 3.301 4.260%
4.625% 1.379 4.813% 4.250% 0.822 4.490% 3.625% 3.118 4.266%
4.750% 0.739 4.882% 4.375% 0.619 4.584% 3.750% 2.969 4.275%
4.875% 0.160 4.957%       3.875% 2.830 4.285%
5.000% -0.353 5.037%       4.000% 2.605 4.287%
5.125% 0.303 5.221%       4.125% 2.359 4.287%
5.250% -0.278 5.294%       4.250% 2.113 4.287%
5.375% -0.790 5.373%            
                 


 

5/1 ARM
7/1 ARM
10/1 ARM
Rate
Points
APR
Rate
Points
APR
Rate
Points
APR
2.375%
#N/A
 
2.750%
6.628
4.149%
2.750%
8.175
4.106%
2.500%
#N/A
 
2.875%
6.127
4.155%
2.875%
7.520
4.115%
2.625%
5.313
4.127%
3.000%
5.666
4.164%
3.000%
6.902
4.128%
2.750%
4.946
4.132%
3.125%
5.190
4.171%
3.125%
6.270
4.140%
2.875%
4.601
4.138%
3.250%
4.767
4.183%
3.250%
5.648
4.153%
3.000%
4.245
4.143%
3.375%
4.358
4.197%
3.375%
5.031
4.166%
3.125%
3.891
4.148%
3.500%
3.964
4.211%
3.500%
4.441
4.181%
3.250%
3.551
4.155%
3.625%
3.574
4.226%
3.625%
3.860
4.197%
3.375%
3.214
4.162%
3.750%
3.184
4.240%
3.750%
3.339
4.218%
3.500%
2.892
4.169%
3.875%
2.797
4.255%
3.875%
2.836
4.241%
3.625% 2.573 4.178% 4.000% 2.425 4.271% 4.000% 2.428 4.271%
3.750% 2.269 4.187% 4.125% 2.058 4.287% 4.125% 2.046 4.304%
3.875% 1.967 4.196% 4.250% 1.693 4.304% 4.250% 1.730 4.342%
4.000% 1.666 4.206% 4.375% 1.330 4.320% 4.375% 1.433 4.382%
4.125% 1.368 4.215% 4.500% 0.984 4.338% 4.500% 1.155 4.423%
4.250% 1.085 4.226% 4.625% 0.643 4.356% 4.625% 0.883 4.464%
4.375% 102.250   4.750% 0.361 4.378% 4.750% 0.614 4.506%
4.500% 102.250   4.875% 0.094 4.402% 4.875% 0.345 4.547%

 

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%
1.302
3.404%
3.375%
0.811
3.490%
3.625%
0.336
3.703%
3.750%
-0.120
3.791%
3.875%
-0.474
3.887%
4.000%
-0.474
4.012%
4.125%
-1.367
4.063%
4.250%
-1.786
4.153%
4.375%
-1.670
4.287%
4.500%
-1.670
4.411%
4.625%
-2.089
4.500%
* Extra price adjustment might apply. Some counties are lower

 

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