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Rates & Loans



Rate Sheet as of 05/25/2018
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%
#N/A
 
2.000%
#N/A
 
3.375%
#N/A
 
2.500%
#N/A
 
2.125%
#N/A
 
3.500%
#N/A
 
2.625%
#N/A
 
2.250%
4.348
4.127%
3.625%
#N/A
 
2.750%
#N/A
 
2.375%
4.078
4.126%
3.750%
#N/A
 
2.875%
4.923
3.724%
2.500%
3.846
4.129%
3.875%
3.855
4.269%
3.000%
4.353
3.723%
2.625%
3.599
4.130%
4.000%
3.077
4.328%
3.125%
3.787
3.804%
2.750%
3.383
4.134%
4.125%
2.405
4.396%
3.250%
3.306
3.857%
2.875%
3.148
4.136%
4.250%
1.762
4.467%
3.375%
2.841
3.913%
3.000%
2.953
4.141%
4.375%
1.179
4.543%
3.500%
2.397
3.972%
3.125%
2.742
4.145%
4.500% 0.567 4.615% 3.625% 1.849 4.015% 3.250% 2.540 4.150%
4.625% -0.049 4.687% 3.750% 1.439 4.079% 3.375% 2.341 4.155%
4.750% -0.636 4.762% 3.875% 1.057 4.147% 3.500% 2.159 4.161%
4.875% -1.159 4.841% 4.000% 0.577 4.201% 3.625% 1.982 4.168%
5.000% -1.621 4.926% 4.125% 0.021 4.243% 3.750% 1.840 4.177%
      4.250% -0.340 4.314% 3.875% 1.706 4.187%
      4.375% -0.669 4.390% 4.000% 1.484 4.190%

 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%
6.562
3.960%
2.375%
4.848
4.012%
2.625%
#N/A
 
2.875%
5.733
3.955%
2.500%
4.468
4.016%
2.750%
4.789
3.986%
3.000%
5.076
3.966%
2.625%
4.112
4.022%
2.875%
4.333
3.996%
3.125%
4.439
3.978%
2.750%
3.735
4.025%
3.000%
3.933
4.011%
3.250%
3.924
4.001%
2.875%
3.383
4.031%
3.125%
3.523
4.025%
3.375%
3.441
4.026%
3.000%
3.036
4.038%
3.250%
3.112
4.039%
3.500%
2.990
4.054%
3.125%
2.692
4.044%
3.375%
2.704
4.052%
3.625%
2.549
4.083%
3.250%
2.364
4.052%
3.500%
2.353
4.071%
3.750%
2.095
4.110%
3.375%
2.040
4.060%
3.625%
2.018
4.091%
3.875%
1.639
4.137%
3.500% 1.716 4.068% 3.750% 1.671 4.110% 4.000% 1.216 4.167%
3.625% 1.396 4.077% 3.875% 1.323 4.128% 4.125% 0.803 4.197%
3.750% 1.119 4.088% 4.000% 0.977 4.147% 4.250% 0.390 4.227%
3.875% 0.842 4.100% 4.125% 0.634 4.165% 4.375% -0.021 4.257%
4.000% 0.550 4.111% 4.250% 0.292 4.184% 4.500% -0.418 4.288%
4.125% 0.259 4.121% 4.375% -0.049 4.202% 4.625% -0.811 4.320%
4.250%     4.500% -0.331 4.226% 4.750% -1.074 4.361%
4.375%     4.625% -0.598 4.250% 4.875% -1.307 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%
6.601
4.127%
2.625%
#N/A
 
2.000%
#N/A
 
3.625%
5.739
4.179%
2.750%
#N/A
 
2.125%
#N/A
 
3.752%
4.992
4.241%
2.875%
5.303
3.783%
2.250%
5.098
4.194%
3.875%
4.350
4.313%
3.000%
4.825
3.836%
2.375%
4.828
4.193%
4.000%
3.601
4.374%
3.125%
4.302
3.883%
2.500%
4.596
4.195%
4.125%
2.823
4.433%
3.250%
3.835
3.938%
2.625%
4.349
4.196%
4.250%
2.137
4.500%
3.375%
3.366
3.993%
2.750%
4.133
4.199%
4.375%
1.549
4.575%
3.500%
2.905
4.049%
2.875%
3.898
4.201%
4.500%
0.994
4.653%
3.625%
2.406
4.100%
3.000%
3.703
4.206%
4.625%
0.295
4.717%
3.750%
1.762
4.128%
3.125%
3.492
4.210%
4.750% -0.323 4.789% 3.875% 1.312 4.186% 3.250% 3.290 4.215%
4.875% -0.851 4.868% 4.000% 0.869 4.245% 3.375% 3.091 4.220%
5.000% -1.328 4.951% 4.125% 0.399 4.300% 3.500% 2.909 4.226%
5.125% -1.212 5.086%       3.625% 2.732 4.232%
5.250% -1.773 5.161%       3.750% 2.590 4.242%
5.375% -2.266 5.242%       3.875% 2.456 4.252%
5.500% -2.721 5.326%       4.000% 2.234 4.255%
5.625% -0.675 5.634%            
                 


 

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%
7.312
4.027%
2.375%
5.598
4.078%
2.625%
#N/A
 
2.875%
6.483
4.022%
2.500%
5.218
4.082%
2.750%
5.539
4.052%
3.000%
5.826
4.032%
2.625%
4.862
4.087%
2.875%
5.083
4.062%
3.125%
5.189
4.044%
2.750%
4.485
4.091%
3.000%
4.683
4.077%
3.250%
4.674
4.066%
2.875%
4.133
4.097%
3.125%
4.273
4.090%
3.375%
4.191
4.092%
3.000%
3.786
4.103%
3.250%
3.862
4.104%
3.500%
3.740
4.119%
3.125%
3.442
4.109%
3.375%
3.454
4.117%
3.625%
3.299
4.148%
3.250%
3.114
4.117%
3.500%
3.103
4.136%
3.750%
2.845
4.175%
3.375%
2.790
4.125%
3.625%
2.768
4.156%
3.875%
2.389
4.202%
3.500% 2.466 4.133% 3.750% 2.421 4.174% 4.000% 1.966 4.231%
3.625% 2.146 4.141% 3.875% 2.073 4.192% 4.125% 1.553 4.262%
3.750% 1.869 4.152% 4.000% 1.727 4.211% 4.250% 1.140 4.291%
3.875% 1.592 4.164% 4.125% 1.384 4.229% 4.375% 0.729 4.321%
4.000% 1.300 4.174% 4.250% 1.042 4.248% 4.500% 0.332 4.352%
4.125% 1.009 4.184% 4.375% 0.701 4.266% 4.625% -0.061 4.383%
4.250% 102.250   4.500% 0.419 4.289% 4.750% -0.324 4.425%
4.375% 102.250   4.625% 0.152 4.314% 4.875% -0.557 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%
-0.157
3.287%
3.375%
-0.644
3.373%
3.625%
-1.117
3.585%
3.750%
-1.574
3.672%
3.875%
-1.647
3.791%
4.000%
-1.647
3.915%
4.125%
-2.545
3.966%
4.250%
-2.972
4.055%
4.375%
-2.586
4.211%
4.500%
-2.586
4.335%
4.625%
-3.012
4.423%
* Extra price adjustment might apply. Some counties are lower

 

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