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Rate Sheet as of 01/12/2018
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%
4.826
3.713%
2.375%
5.117
3.242%
2.000%
3.794
4.033%
3.375%
4.015
3.771%
2.500%
4.504
3.276%
2.125%
3.536
4.034%
3.5022
2.958
3.808%
2.625%
3.937
3.317%
2.250%
3.299
4.036%
3.625%
2.309
3.880%
2.750%
3.089
3.316%
2.375%
3.040
4.036%
3.750%
1.247
3.917%
2.875%
2.590
3.368%
2.500%
2.819
4.040%
3.875%
0.672
3.995%
3.000%
2.094
3.420%
2.625%
2.582
4.042%
4.000%
0.034
4.067%
3.125%
1.607
3.468%
2.750%
2.355
4.045%
4.125%
-0.417
4.155%
3.250%
0.722
3.544%
2.875%
2.131
4.048%
4.250%
-1.225
4.212%
3.375%
0.383
3.619%
3.000%
1.915
4.052%
4.375%
-1.654
4.301%
3.500%
0.043
3.682%
3.125%
1.703
4.056%
4.500% -2.102 4.388% 3.625% -0.383 3.737% 3.250% 1.499 4.060%
4.625% -2.495 4.479% 3.750% -0.857 3.798% 3.375% 1.297 4.065%
4.750% -2.952 4.564% 3.875% -1.299 3.908% 3.500% 1.113 4.071%
4.875% -3.465 4.645% 4.000% -1.400 3.973% 3.625% 0.933 4.078%
5.000% -3.803 4.740% 4.125% -1.807 4.081% 3.750% 0.787 4.087%
      4.250% -1.919 4.154% 3.875% 0.649 4.097%
      4.375% -2.270 4.250% 4.000% 0.422 4.100%

 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%
3.802
3.884%
2.500%
4.202
3.835%
2.750%
4.517
3.781%
2.375%
3.459
3.891%
2.625%
3.770
3.847%
2.875%
3.799
3.787%
2.500%
3.106
3.898%
2.750%
3.352
3.861%
3.000%
3.124
3.797%
2.625%
2.757
3.905%
2.875%
2.939
3.876%
3.125%
2.462
3.808%
2.750%
2.424
3.913%
3.000%
2.526
3.890%
3.250%
1.959
3.833%
2.875%
2.094
3.921%
3.125%
2.114
3.904%
3.375%
1.498
3.861%
3.000%
1.765
3.929%
3.250%
1.704
3.918%
3.500%
1.038
3.888%
3.125%
1.438
3.937%
3.375%
1.295
3.933%
3.625%
0.580
3.916%
3.250%
1.111
3.946%
3.500%
0.888
3.947%
3.750%
0.220
3.952%
3.375%
0.788
3.954%
3.625%
0.483
3.961%
3.875%
-0.114
3.989%
3.500% 0.508 3.966% 3.750% 0.094 3.977% 4.000% -0.416 4.030%
3.625% 0.230 3.978% 3.875% -0.290 3.992% 4.125% -0.711 4.070%
3.750% -0.005 3.994% 4.000% -0.541 4.019% 4.250% -0.990 4.111%
3.875% -0.241 4.009% 4.125% -0.758 4.048% 4.375% -1.268 4.153%
4.000% -0.464 4.026% 4.250% -0.960 4.079% 4.500% -1.515 4.196%
4.125% -0.688 4.042% 4.375% -1.157 4.110% 4.625% -1.757 4.240%
4.250%     4.500% -1.355 4.140% 4.750% -1.936 4.289%
4.375%     4.625% -1.554 4.170% 4.875% -1.312 4.405%

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%
3.468
3.852%
2.625%
4.540
3.409%
2.000%
4.544
4.099%
3.625%
2.812
3.923%
2.750%
3.425
3.367%
2.125%
4.286
4.099%
3.750%
1.765
3.961%
2.875%
2.956
3.423%
2.250%
4.049
4.101%
3.875%
1.185
4.038%
3.000%
2.470
3.476%
2.375%
3.790
4.101%
4.000%
0.542
4.110%
3.125%
2.088
3.545%
2.500%
3.569
4.105%
4.125%
0.086
4.197%
3.250%
1.196
3.538%
2.625%
3.332
4.107%
4.250%
-0.294
4.290%
3.375%
0.816
3.608%
2.750%
3.105
4.109%
4.375%
-0.642
4.386%
3.500%
0.435
3.677%
2.875%
2.881
4.112%
4.500%
-1.094
4.473%
3.625%
0.090
3.752%
3.000%
2.665
4.116%
4.625%
-1.492
4.563%
3.750%
-0.226
3.830%
3.125%
2.453
4.120%
4.750% -1.917 4.652% 3.875% -0.327 3.941% 3.250% 2.249 4.125%
4.875% -2.358 4.738% 4.000% 0.115 4.132% 3.375% 2.047 4.129%
5.000% -2.396 4.859% 4.125% -0.209 4.209% 3.500% 1.863 4.135%
5.125% -2.201 5.000%       3.625% 1.683 4.142%
5.250% -2.387 5.108%       3.750% 1.537 4.151%
5.375% -2.739 5.201%       3.875% 1.399 4.161%
5.500% -2.905 5.310%       4.000% 1.172 4.163%
5.625% 0.089 5.704%            
                 


 

5/1 ARM
7/1 ARM
10/1 ARM
Rate
Points
APR
Rate
Points
APR
Rate
Points
APR
2.250%
4.552
3.949%
2.500%
4.952
3.900%
2.750%
5.267
3.846%
2.375%
4.209
3.956%
2.625%
4.520
3.912%
2.875%
4.549
3.852%
2.500%
3.856
3.963%
2.750%
4.102
3.926%
3.000%
3.874
3.861%
2.625%
3.507
3.969%
2.875%
3.689
3.940%
3.125%
3.212
3.872%
2.750%
3.174
3.977%
3.000%
3.276
3.954%
3.250%
2.709
3.896%
2.875%
2.844
3.985%
3.125%
2.864
3.968%
3.375%
2.248
3.924%
3.000%
2.515
3.993%
3.250%
2.454
3.982%
3.500%
1.788
3.952%
3.125%
2.188
4.001%
3.375%
2.045
3.996%
3.625%
1.330
3.979%
3.250%
1.861
4.009%
3.500%
1.638
4.010%
3.750%
0.970
4.015%
3.375%
1.538
4.017%
3.625%
1.233
4.024%
3.875%
0.636
4.052%
3.500% 1.258 4.029% 3.750% 0.844 4.039% 4.000% 0.334 4.092%
3.625% 0.980 4.041% 3.875% 0.460 4.055% 4.125% 0.039 4.133%
3.750% 0.745 4.057% 4.000% 0.209 4.082% 4.250% -0.240 4.174%
3.875% 0.509 4.072% 4.125% -0.008 4.111% 4.375% -0.518 4.215%
4.000% 0.286 4.088% 4.250% -0.210 4.142% 4.500% -0.765 4.259%
4.125% 0.062 4.104% 4.375% -0.407 4.172% 4.625% -1.007 4.303%
4.250% 102.250   4.500% -0.605 4.203% 4.750% -1.186 4.352%
4.375% 102.250   4.625% -0.804 4.233% 4.875% -0.562 4.469%

 

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%
0.547
3.343%
3.375%
-0.666
3.371%
3.625%
-1.110
3.585%
3.750%
-1.497
3.679%
3.875%
-1.847
3.775%
4.000%
-1.847
3.899%
4.125%
-2.069
4.005%
4.250%
-2.492
4.095%
4.375%
-2.658
4.205%
4.500%
-2.658
4.329%
4.625%
-2.251
4.486%
* Extra price adjustment might apply. Some counties are lower

 

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