» Rates & Loans

Rates & Loans



Rate Sheet as of 02/16/2018
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%
7.010
3.537%
2.000%
#N/A
 
3.375%
#N/A
 
2.500%
6.400
3.570%
2.125%
#N/A
 
3.502%
5.309
4.012%
2.625%
5.834
3.609%
2.250%
3.809
4.080%
3.625%
4.618
4.080%
2.750%
4.708
3.563%
2.375%
3.536
4.079%
3.750%
3.425
4.103%
2.875%
4.211
3.614%
2.500%
3.311
4.082%
3.875%
2.812
4.178%
3.000%
3.731
3.668%
2.625%
3.073
4.084%
4.000%
2.131
4.246%
3.125%
3.220
3.717%
2.750%
2.844
4.087%
4.125%
1.637
4.330%
3.250%
2.410
3.720%
2.875%
2.618
4.090%
4.250%
0.498
4.358%
3.375%
2.030
3.790%
3.000%
2.401
4.093%
4.375%
0.026
4.443%
3.500%
1.648
3.858%
3.125%
2.188
4.097%
4.500% -0.461 4.527% 3.625% 1.194 3.916% 3.250% 1.983 4.102%
4.625% -0.896 4.614% 3.750% 0.694 3.967% 3.375% 1.781 4.106%
4.750% -1.387 4.697% 3.875% 0.186 4.017% 3.500% 1.597 4.113%
4.875% -1.900 4.777% 4.000% -0.375 4.059% 3.625% 1.418 4.119%
5.000% -2.344 4.863% 4.125% -0.808 4.120% 3.750% 1.273 4.129%
      4.250% -1.221 4.183% 3.875% 1.137 4.139%
      4.375% -1.534 4.262% 4.000% 0.911 4.141%

 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%
4.449
3.940%
2.500%
5.206
3.922%
2.750%
5.582
3.873%
2.375%
4.103
3.947%
2.625%
4.707
3.929%
2.875%
4.809
3.874%
2.500%
3.746
3.953%
2.750%
4.249
3.939%
3.000%
4.169
3.887%
2.625%
3.392
3.959%
2.875%
3.800
3.950%
3.125%
3.564
3.902%
2.750%
3.054
3.967%
3.000%
3.380
3.963%
3.250%
3.035
3.924%
2.875%
2.718
3.974%
3.125%
2.967
3.977%
3.375%
2.529
3.948%
3.000%
2.384
3.982%
3.250%
2.555
3.991%
3.500%
2.022
3.971%
3.125%
2.053
3.990%
3.375%
2.144
4.004%
3.625%
1.518
3.995%
3.250%
1.738
3.999%
3.500%
1.748
4.019%
3.750%
1.029
4.020%
3.375%
1.425
4.008%
3.625%
1.358
4.035%
3.875%
0.547
4.045%
3.500% 1.097 4.016% 3.750% 1.013 4.054% 4.000% 0.065 4.070%
3.625% 0.774 4.024% 3.875% 0.680 4.074% 4.125% -0.417 4.094%
3.750% 0.540 4.039% 4.000% 0.377 4.096% 4.250% -0.734 4.133%
3.875% 0.306 4.055% 4.125% 0.084 4.119% 4.375% -1.010 4.174%
4.000% 0.085 4.071% 4.250% -0.135 4.148% 4.500% -1.336 4.211%
4.125% -0.135 4.088% 4.375% -0.335 4.178% 4.625% -1.676 4.247%
4.250%     4.500% -0.534 4.209% 4.750% -1.968 4.286%
4.375%     4.625% -0.733 4.239% 4.875% -1.361 4.401%

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%
6.017
4.075%
2.625%
6.451
3.706%
2.000%
#N/A
 
3.625%
5.195
4.131%
2.750%
4.993
3.607%
2.125%
#N/A
 
3.7523
4.476
4.196%
2.875%
4.544
3.665%
2.250%
4.559
4.146%
3.875%
3.691
4.254%
3.000%
4.099
3.724%
2.375%
4.286
4.145%
4.000%
2.734
4.298%
3.125%
3.722
3.794%
2.500%
4.061
4.148%
4.125%
2.141
4.373%
3.250%
2.836
3.785%
2.625%
3.823
4.149%
4.250%
1.487
4.443%
3.375%
2.433
3.851%
2.750%
3.594
4.152%
4.375%
0.941
4.522%
3.500%
2.033
3.916%
2.875%
3.368
4.155%
4.500%
0.268
4.589%
3.625%
1.693
3.991%
3.000%
3.151
4.158%
4.625%
-0.408
4.656%
3.750%
1.366
4.068%
3.125%
2.938
4.162%
4.750% -0.993 4.731% 3.875% 0.882 4.121% 3.250% 2.733 4.166%
4.875% -1.489 4.813% 4.000% 0.390 4.173% 3.375% 2.531 4.171%
5.000% -1.710 4.918% 4.125% 0.071 4.251% 3.500% 2.347 4.177%
5.125% -1.687 5.045%       3.625% 2.168 4.184%
5.250% 2.236 5.121%       3.750% 2.023 4.193%
5.375% -2.715 5.203%       3.875% 1.887 4.203%
5.500% -2.945 5.307%       4.000% 1.661 4.205%
5.625% -1.544 5.555%            
                 


 

5/1 ARM
7/1 ARM
10/1 ARM
Rate
Points
APR
Rate
Points
APR
Rate
Points
APR
2.250%
5.199
4.006%
2.500%
5.956
3.988%
2.750%
6.332
3.940%
2.375%
4.853
4.013%
2.625%
5.457
3.994%
2.875%
5.559
3.940%
2.500%
4.496
4.018%
2.750%
4.999
4.004%
3.000%
4.919
3.952%
2.625%
4.142
4.024%
2.875%
4.550
4.015%
3.125%
4.314
3.967%
2.750%
3.804
4.031%
3.000%
4.130
4.028%
3.250%
3.785
3.989%
2.875%
3.468
4.039%
3.125%
3.717
4.042%
3.375%
3.279
4.012%
3.000%
3.134
4.046%
3.250%
3.305
4.055%
3.500%
2.772
4.036%
3.125%
2.803
4.054%
3.375%
2.894
4.069%
3.625%
2.268
4.059%
3.250%
2.488
4.063%
3.500%
2.498
4.084%
3.750%
1.779
4.083%
3.375%
2.175
4.072%
3.625%
2.108
4.099%
3.875%
1.297
4.108%
3.500% 1.847 4.079% 3.750% 1.763 4.118% 4.000% 0.815 4.133%
3.625% 1.524 4.087% 3.875% 1.430 4.137% 4.125% 0.333 4.157%
3.750% 1.290 4.103% 4.000% 1.127 4.159% 4.250% 0.016 4.196%
3.875% 1.056 4.118% 4.125% 0.834 4.182% 4.375% -0.260 4.237%
4.000% 0.835 4.135% 4.250% 0.615 4.211% 4.500% -0.586 4.274%
4.125% 0.615 4.151% 4.375% 0.415 4.242% 4.625% -0.926 4.310%
4.250% 102.250   4.500% 0.216 4.272% 4.750% -1.218 4.349%
4.375% 102.250   4.625% 0.017 4.302% 4.875% -0.611 4.465%

 

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%
-0.831
3.233%
3.375%
-1.307
3.320%
3.625%
-1.768
3.532%
3.750%
-2.216
3.621%
3.875%
-1.986
3.764%
4.000%
-1.986
3.888%
4.125%
-2.866
3.940%
4.250%
-3.285
4.030%
4.375%
-2.890
4.186%
4.500%
-2.890
4.309%
4.625%
-3.310
4.398%
* Extra price adjustment might apply. Some counties are lower

 

Copyright © 1999 HomeLoan123.com. All Rights Reserved.