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Rates & Loans



Rate Sheet as of 01/23/2019
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
4.125%
1.488
4.317%
3.500%
1.692
3.865%
2.625%
3.322
4.106%
4.250%
0.871
4.390%
3.625%
1.191
3.916%
2.750%
3.102
4.109%
4.375%
0.305
4.467%
3.750%
0.793
3.982%
2.875%
2.864
4.111%
4.500%
-0.162
4.552%
3.875%
0.335
4.039%
3.000%
2.656
4.115%
4.625%
-0.467
4.651%
4.000%
-0.065
4.102%
3.125%
2.430
4.118%
4.750%
-1.008
4.730%
4.125%
-0.514
4.163%
3.250%
2.242
4.124%
4.875%
-1.654
4.799%
4.250%
-1.070
4.206%
3.375%
2.039
4.129%
4.990%
-1.875
4.894%
4.375%
-1.521
4.264%
3.500%
1.853
4.135%
5.000%
-1.884
4.903%
4.500%
-1.468
4.396%
3.625%
1.673
4.141%
5.125%
-2.156
5.004%
4.625%
-1.460
4.522%
3.750%
1.527
4.150%
5.250% -2.452 5.102% 4.750% -1.830 4.592% 3.875% 1.391 4.160%
5.375% -2.861 5.190% 4.875% -2.053 4.683% 4.000% 1.167 4.163%
5.500% -3.125 5.291% 5.000% -2.181 4.788% 4.125% 0.922 4.164%
5.625% -3.325 5.397% 5.125% -0.398 5.182% 4.250% 0.676 4.164%
5.750% -3.626 5.493% 5.250% -0.697 5.261% 4.375% 0.429 4.164%
  -3.990 -0.209% 5.375% -0.807 5.370% 4.500% 0.182 4.165%
  #N/A   5.500% -1.294 5.420% 4.625% -0.066 4.165%
  #N/A   5.625% -1.699 5.483%      
 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%
3.818
3.885%
2.500%
3.775
3.798%
3.125%
4.265
3.963%
2.375%
3.456
3.891%
2.625%
3.379
3.814%
3.250%
3.828
3.993%
2.500%
3.116
3.899%
2.750%
2.976
3.829%
3.375%
3.387
4.022%
2.625%
2.756
3.905%
2.875%
2.588
3.846%
3.500%
2.947
4.051%
2.750%
2.420
3.912%
3.000%
2.206
3.863%
3.625%
2.510
4.080%
2.875%
2.089
3.921%
3.125%
1.853
3.882%
3.750%
1.979
4.100%
3.000%
1.761
3.929%
3.250%
1.510
3.902%
3.875%
1.4026
4.119%
3.125%
1.478
3.941%
3.375%
1.169
3.922%
4.000%
1.002
4.149%
3.250%
1.197
3.953%
3.500%
0.829
3.942%
4.125%
0.610
4.181%
3.375%
0.932
3.966%
3.625%
0.506
3.963%
4.250%
0.365
4.225%
3.500% 0.668 3.980% 3.750% 0.188 3.984% 4.375% 0.157 4.273%
3.625% 0.405 3.993% 3.875% -0.130 4.006% 4.500% -0.034 4.321%
3.750% 0.143 4.006% 4.000% -0.448 4.027% 4.625% -0.220 4.370%
3.875% -0.119 4.019% 4.125% -0.722 4.051% 4.750% -0.263 4.430%
4.000% -0.380 4.033% 4.250% -0.987 4.077% 4.875% -0.270 4.494%
4.125% -0.627 4.047% 4.375% -1.262 4.101% 5.000% -0.288 4.556%
4.250%     4.500% -1.541 4.125% 5.125% -0.310 4.618%
4.375%     4.625% -1.821 4.148% 5.250% -0.335 4.679%

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
3.625%
5.388
4.148%
2.875%
5.065
3.746%
2.625%
       4.072
4.171%
3.750%
4.599
4.207%
3.000%
4.626
3.806%
2.750%
3.852
4.175%
3.875%
3.784
4.263%
3.125%
4.136
3.857%
2.875%
3.614
4.176%
4.000%
3.014
4.323%
3.250%
3.524
3.890%
3.000%
3.406
4.180%
4.125%
2.283
4.386%
3.375%
3.109
3.954%
3.125%
3.180
4.183%
4.250%
1.621
4.455%
3.500%
2.697
4.018%
3.250%
2.992
4.189%
4.375%
1.039
4.530%
3.625%
2.241
4.075%
3.375%
2.789
4.193%
4.500%
0.519
4.611%
3.750%
1.345
4.065%
3.500%
2.603
4.199%
4.625%
0.201
4.709%
3.875%
0.904
4.124%
3.625%
2.423
4.206%
4.750%
-0.389
4.783%
4.000%
0.476
4.186%
3.750%
2.277
4.215%
4.875% -0.901 4.864% 4.125% 0.056 4.248% 3.875% 2.141 4.225%
5.000% -1.392 4.946% 4.250% -0.343 4.314% 4.000% 1.917 4.227%
5.125% -0.984 5.106% 4.375% -0.693 4.387% 4.125% 1.672 4.228%
5.250% -1.522 5.183%       4.250% 1.426 4.228%
5.375% -1.989 5.267%       4.375% 1.179 4.228%
5.500% -2.394 5.355%       4.500% 0.932 4.229%
5.625% -1.150 5.591%       4.625% 0.684 4.229%
5.750% -1.654 5.669%            
                 


 

5/1 ARM
7/1 ARM
10/1 ARM
Rate
Points
APR
Rate
Points
APR
Rate
Points
APR
2.625%
4.568
4.061%
3.125%
4.525
4.112%
3.125%
5.015
4.029%
2.750%
4.206
4.066%
3.250%
4.129
4.127%
3.250%
4.578
4.058%
2.875%
3.866
4.073%
3.375%
3.726
4.141%
3.375%
4.137
4.087%
3.000%
3.506
4.078%
3.500%
3.338
4.156%
3.500%
3.697
4.116%
3.125%
3.170
4.086%
3.625%
2.956
4.172%
3.625%
3.260
4.145%
3.250%
2.839
4.093%
3.750%
2.603
4.190%
3.750%
2.729
4.165%
3.375%
2.511
4.101%
3.875%
2.260
4.209%
3.875%
2.176
4.184%
3.500%
2.228
4.112%
4.000%
1.919
4.227%
4.000%
1.752
4.213%
3.625%
1.947
4.124%
4.125%
1.579
4.246%
4.125%
1.360
4.245%
3.750%
1.682
4.136%
4.250%
1.256
4.266%
4.250%
1.115
4.289%
3.875% 1.418 4.149% 4.375% 0.938 4.286% 4.375% 0.907 4.337%
4.000% 1.155 4.162% 4.500% 0.620 4.306% 4.500% 0.716 4.385%
4.125% 0.893 4.175% 4.625% 0.302 4.326% 4.625% 0.530 4.434%
4.250% 0.631 4.187% 4.750% 0.028 4.350% 4.750% 0.487 4.495%
4.375% 0.370 4.200% 4.875% -0.237 4.374% 4.875% 0.480 4.558%
4.500% 0.123 4.213% 5.000% -0.512 4.397% 5.000% 0.462 4.621%
4.625% 102.250   5.125% -0.791 4.420% 5.125% 0.440 4.683%
4.750% 102.250   5.250% -1.071 4.442% 5.250% 0.415 4.744%

 

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
4.000%
2.035
4.224%
4.125%
1.332
4.290%
4.375%
0.872
4.502%
4.500%
0.432
4.590%
4.625%
0.014
4.679%
4.750%
-0.467
4.763%
4.875%
-0.786
4.860%
5.000%
-1.182
4.951%
5.125%
-1.556
5.042%
5.250%
-2.008
5.127%
5.375%
-1.769
5.272%
* Extra price adjustment might apply. Some counties are lower

 

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