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Rates & Loans



Rate Sheet as of 11/21/2017
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 <= $625,000*)

* Extra price adjustment might apply

Conforming Loan (Loan amount <= $417,000)
30 Years Fixed
15 Years Fixed
3/1 ARM
Rate
Points
APR
Rate
Points
APR
Rate
Points
APR
3.250%
4.013
3.643%
2.375%
4.335
3.122%
2.000%
3.422
4.001%
3.375%
3.203
3.702%
2.500%
3.723
3.157%
2.125%
3.151
4.000%
3.5022
2.092
3.735%
2.625%
3.153
3.198%
2.250%
2.908
4.002%
3.625%
1.478
3.810%
2.750%
2.363
3.207%
2.375%
2.647
4.002%
3.750%
0.489
3.854%
2.875%
1.870
3.260%
2.500%
2.437
4.007%
3.875%
-0.087
3.932%
3.000%
1.365
3.311%
2.625%
2.197
4.009%
4.000%
-0.688
4.007%
3.125%
0.887
3.367%
2.750%
1.974
4.012%
4.125%
-1.134
4.095%
3.250%
0.081
3.374%
2.875%
1.755
4.016%
4.250%
-1.780
4.166%
3.375%
-0.258
3.450%
3.000%
1.603
4.025%
4.375%
-2.274
4.249%
3.500%
-0.581
3.528%
3.125%
1.395
4.030%
4.500% -2.693 4.338% 3.625% -1.007 3.591% 3.250% 1.196 4.035%
4.625% -3.047 4.433% 3.750% -1.482 3.646% 3.375% 0.999 4.040%
4.750% -3.497 4.519% 3.875% -1.809 3.723% 3.500% 0.874 4.051%
4.875% -4.025 4.598% 4.000% -1.899 3.835% 3.625% 0.699 4.058%
5.000% -4.296 4.698% 4.125% -2.293 3.902% 3.750% 0.542 4.067%
      4.250% -2.406 4.010% 3.875% 0.390 4.075%
      4.375% -2.769 4.081% 4.000% 0.195 4.081%

 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%
3.243
3.836%
2.500%
3.554
3.779%
2.750%
3.958
3.733%
2.375%
2.875
3.842%
2.625%
3.133
3.793%
2.875%
3.207
3.737%
2.500%
2.591
3.854%
2.750%
2.709
3.807%
3.000%
2.658
3.758%
2.625%
2.236
3.860%
2.875%
2.286
3.820%
3.125%
1.997
3.769%
2.750%
1.878
3.866%
3.000%
1.913
3.838%
3.250%
1.461
3.791%
2.875%
1.521
3.873%
3.125%
1.488
3.851%
3.375%
0.956
3.815%
3.000%
1.281
3.888%
3.250%
1.061
3.864%
3.500%
0.619
3.853%
3.125%
0.923
3.894%
3.375%
0.633
3.877%
3.625%
0.111
3.877%
3.250%
0.579
3.901%
3.500%
0.304
3.898%
3.750%
-0.266
3.911%
3.375%
0.235
3.908%
3.625%
-0.107
3.912%
3.875%
-0.609
3.948%
3.500% 0.010 3.925% 3.750% -0.459 3.931% 4.000% -0.793 3.998%
3.625% -0.330 3.932% 3.875% -0.798 3.950% 4.125% -1.157 4.033%
3.750% -0.551 3.948% 4.000% -0.952 3.985% 4.250% -1.472 4.072%
3.875% -0.771 3.965% 4.125% -1.198 4.012% 4.375% -1.774 4.111%
4.000% -0.894 3.990% 4.250% -1.429 4.040% 4.500% -1.885 4.166%
4.125% -1.114 4.006% 4.375% -1.656 4.068% 4.625% -2.123 4.210%
4.250%     4.500% -1.780 4.105% 4.750% -2.260 4.262%
4.375%     4.625% -2.007 4.133% 4.875% -2.372 4.316%

High-Balance (Loan amount Ranging from $417,001 to $625,500*)
30 Years Fixed
15 Years Fixed
3/1 ARM
Rate
Points
APR
Rate
Points
APR
Rate
Points
APR
3.500%
2.602
3.778%
2.625%
3.759
3.290%
2.000%
4.172
4.066%
3.625%
1.982
3.853%
2.750%
2.702
3.258%
2.125%
3.901
4.065%
3.750%
1.011
3.897%
2.875%
2.234
3.314%
2.250%
3.658
4.067%
3.875%
0.429
3.975%
3.000%
1.750
3.369%
2.375%
3.397
4.067%
4.000%
-0.180
4.049%
3.125%
1.361
3.437%
2.500%
3.187
4.071%
4.125%
-0.631
4.137%
3.250%
0.588
3.448%
2.625%
2.947
4.073%
4.250%
-1.022
4.229%
3.375%
0.198
3.517%
2.750%
2.724
4.076%
4.375%
-1.307
4.330%
3.500%
-0.184
3.586%
2.875%
2.505
4.080%
4.500%
-1.687
4.422%
3.625%
-0.538
3.659%
3.000%
2.353
4.089%
4.625%
-2.045
4.517%
3.750%
-0.864
3.736%
3.125%
2.145
4.094%
4.750% -2.461 4.606% 3.875% -0.967 3.846% 3.250% 1.946 4.099%
4.875% -2.915 4.691% 4.000% -0.374 4.059% 3.375% 1.749 4.104%
5.000% -2.917 4.815% 4.125% -0.703 4.135% 3.500% 1.624 4.115%
5.125% -2.347 4.987%       3.625% 1.449 4.122%
5.250% -2.512 5.097%       3.750% 1.292 4.130%
5.375% -2.860 5.190%       3.875% 1.140 4.139%
5.500% -3.007 5.301%       4.000% 0.945 4.144%
5.625% -0.819 5.621%            
                 

5/1 ARM
7/1 ARM
10/1 ARM
Rate
Points
APR
Rate
Points
APR
Rate
Points
APR
2.250%
3.993
3.901%
2.500%
4.304
3.842%
2.750%
4.708
3.797%
2.375%
3.625
3.906%
2.625%
3.883
3.855%
2.875%
3.957
3.801%
2.500%
3.341
3.918%
2.750%
3.459
3.869%
3.000%
3.408
3.821%
2.625%
2.986
3.924%
2.875%
3.036
3.882%
3.125%
2.747
3.832%
2.750%
2.628
3.930%
3.000%
2.663
3.899%
3.250%
2.211
3.854%
2.875%
2.271
3.936%
3.125%
2.238
3.912%
3.375%
1.706
3.878%
3.000%
2.031
3.952%
3.250%
1.811
3.925%
3.500%
1.369
3.916%
3.125%
1.673
3.957%
3.375%
1.383
3.937%
3.625%
0.861
3.940%
3.250%
1.329
3.964%
3.500%
1.054
3.958%
3.750%
0.484
3.974%
3.375%
0.985
3.971%
3.625%
0.643
3.972%
3.875%
0.141
4.011%
3.500% 0.760 3.987% 3.750% 0.291 3.990% 4.000% -0.043 4.061%
3.625% 0.420 3.994% 3.875% -0.048 4.010% 4.125% -0.407 4.095%
3.750% 0.199 4.011% 4.000% -0.202 4.045% 4.250% -0.722 4.134%
3.875% -0.021 4.028% 4.125% -0.448 4.071% 4.375% -1.024 4.173%
4.000% -0.144 4.052% 4.250% -0.679 4.099% 4.500% -1.135 4.228%
4.125% -0.364 4.069% 4.375% -0.906 4.127% 4.625% -1.373 4.272%
4.250% 102.250   4.500% -1.030 4.164% 4.750% -1.510 4.325%
4.375% 102.250   4.625% -1.257 4.191% 4.875% -1.622 4.379%

 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%
-0.348
3.271%
3.375%
-1.472
3.307%
3.625%
-1.885
3.523%
3.750%
-2.323
3.612%
3.875%
-2.600
3.714%
4.000%
-2.600
3.838%
4.125%
-2.936
3.935%
4.250%
-3.379
4.023%
4.375%
-3.505
4.136%
4.500%
-3.505
4.259%
4.625%
-3.236
4.404%
* Extra price adjustment might apply

 

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