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Rates & Loans



Rate Sheet as of 11/19/2018
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
3.875%
#N/A
 
2.875%
6.216
3.927%
2.250%
4.856
4.172%
4.000%
4.982
4.498%
3.000%
5.724
3.977%
2.375%
4.581
4.171%
4.125%
4.193
4.555%
3.125%
5.199
4.023%
2.500%
4.344
4.173%
4.250%
3.509
4.622%
3.250%
4.363
4.020%
2.625%
4.091
4.173%
4.375%
2.876
4.692%
3.375%
3.925
4.080%
2.750%
3.867
4.176%
4.500%
2.216
4.761%
3.500%
3.461
4.135%
2.875%
3.625
4.177%
4.625%
1.623
4.834%
3.625%
2.943
4.182%
3.000%
3.422
4.182%
4.750%
1.006
4.906%
3.750%
2.489
4.239%
3.125%
3.202
4.185%
4.875%
0.385
4.977%
3.875%
2.141
4.312%
3.250%
2.992
4.189%
5.000%
-0.046
5.064%
4.000%
1.772
4.382%
3.375%
2.784
4.193%
5.125% -0.657 5.135% 4.125% 1.314 4.439% 3.500% 2.595 4.199%
5.250% 1.233 5.209% 4.250% 0.825 4.490% 3.625% 2.410 4.204%
5.375% -1.707 5.292% 4.375% 0.352 4.544% 3.750% 2.261 4.213%
5.500% -1.980 5.392% 4.500% 0.209 4.648% 3.875% 2.121 4.223%
5.625% -2.379 5.480% 4.625% -0.228 4.707% 4.000% 1.895 4.225%
  -2.973 -0.144% 4.750% -0.630 4.771% 4.125% 1.648 4.226%
      4.875% -0.845 4.864% 4.250% 1.400 4.226%
 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%
5.923
3.985%
2.750%
7.587
4.052%
2.375%
#N/A
 
2.625%
5.420
3.991%
2.875%
6.944
4.063%
2.500%
4.683
4.035%
2.750%
4.958
4.001%
3.000%
6.354
4.079%
2.625%
4.314
4.039%
2.875%
4.481
4.009%
3.125%
5.753
4.094%
2.750%
3.968
4.046%
3.000%
4.057
4.022%
3.250%
5.124
4.106%
2.875%
3.612
4.051%
3.125%
3.648
4.036%
3.375%
4.490
4.118%
3.000%
3.257
4.057%
3.250%
3.252
4.051%
3.500%
3.894
4.133%
3.125%
2.916
4.064%
3.375%
2.861
4.066%
3.625%
3.310
4.149%
3.250%
2.578
4.071%
3.500%
2.470
4.081%
3.750%
2.801
4.171%
3.375%
2.255
4.079%
3.625%
2.081
4.096%
3.875%
2.312
4.195%
3.500% 1.935 4.087% 3.750% 1.693 4.112% 4.000% 1.926 4.228%
3.625% 1.630 4.096% 3.875% 1.308 4.127% 4.125% 1.567 4.263%
3.750% 1.326 4.106% 4.000% 0.937 4.143% 4.250% 1.229 4.299%
3.875% 1.024 4.116% 4.125% 0.573 4.160% 4.375% 0.898 4.336%
4.000% 0.725 4.125% 4.250% 0.225 4.178% 4.500% 0.559 4.372%
4.125% 0.441 4.136% 4.375% -0.118 4.197% 4.625% 0.219 4.407%
4.250%     4.500% -0.401 4.220% 4.750% -0.113 4.443%
4.375%     4.625% -0.669 4.244% 4.875% -0.442 4.479%

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
3.250%
#N/A
 
2.875%
6.897
4.035%
2.250%
       5.606
4.239%
3.375%
#N/A
 
3.000%
6.472
4.096%
2.375%
5.331
4.237%
3.500%
#N/A
 
3.125%
5.969
4.145%
2.500%
5.094
4.239%
3.625%
7.724
4.360%
3.250%
5.025
4.124%
2.625%
4.841
4.239%
3.750%
6.971
4.421%
3.375%
4.620
4.188%
2.750%
4.617
4.242%
3.875%
6.282
4.487%
3.500%
4.212
4.252%
2.875%
4.375
4.243%
4.000%
5.514
4.546%
3.625%
3.725
4.303%
3.000%
4.172
4.248%
4.125%
4.740
4.605%
3.750%
2.938
4.308%
3.125%
3.952
4.251%
4.250%
3.969
4.663%
3.875%
2.489
4.366%
3.250%
3.742
4.254%
4.375%
3.196
4.721%
4.000%
2.061
4.427%
3.375%
3.534
4.258%
4.500% 2.466 4.783% 4.125% 1.606 4.483% 3.500% 3.345 4.264%
4.625% 1.783 4.849% 4.250% 1.182 4.544% 3.625% 3.160 4.270%
4.750% 1.139 4.918% 4.375% 0.860 4.621% 3.750% 3.011 4.279%
4.875% 0.558 4.992%       3.875% 2.871 4.288%
5.000% 0.040 5.072%       4.000% 2.645 4.290%
5.125% -0.023 5.192%       4.125% 2.398 4.290%
5.250% -0.608 5.265%       4.250% 2.150 4.291%
5.375% -1.125 5.343%            
                 


 

5/1 ARM
7/1 ARM
10/1 ARM
Rate
Points
APR
Rate
Points
APR
Rate
Points
APR
2.375%
#N/A
 
2.750%
6.673
4.154%
2.750%
8.337
4.121%
2.500%
#N/A
 
2.875%
6.170
4.159%
2.875%
7.694
4.131%
2.625%
5.433
4.138%
3.000%
5.708
4.167%
3.000%
7.104
4.147%
2.750%
5.064
4.142%
3.125%
5.231
4.175%
3.125%
6.503
4.161%
2.875%
4.718
4.148%
3.250%
4.807
4.187%
3.250%
5.874
4.173%
3.000%
4.362
4.153%
3.375%
4.398
4.200%
3.375%
5.240
4.184%
3.125%
4.007
4.159%
3.500%
4.002
4.214%
3.500%
4.644
4.199%
3.250%
3.666
4.165%
3.625%
3.611
4.229%
3.625%
4.060
4.215%
3.375%
3.328
4.171%
3.750%
3.220
4.244%
3.750%
3.551
4.237%
3.500%
3.005
4.179%
3.875%
2.831
4.258%
3.875%
3.062
4.260%
3.625% 2.685 4.187% 4.000% 2.443 4.273% 4.000% 2.676 4.293%
3.750% 2.380 4.196% 4.125% 2.058 4.287% 4.125% 2.317 4.328%
3.875% 2.076 4.206% 4.250% 1.687 4.303% 4.250% 1.979 4.364%
4.000% 1.774 4.215% 4.375% 1.323 4.319% 4.375% 1.648 4.401%
4.125% 1.475 4.224% 4.500% 0.975 4.337% 4.500% 1.309 4.436%
4.250% 1.191 4.235% 4.625% 0.632 4.355% 4.625% 0.969 4.472%
4.375% 102.250   4.750% 0.349 4.377% 4.750% 0.637 4.508%
4.500% 102.250   4.875% 0.081 4.401% 4.875% 0.308 4.543%

 

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%
1.925
3.455%
3.375%
1.435
3.541%
3.625%
0.962
3.754%
3.750%
0.506
3.842%
3.875%
0.047
3.930%
4.000%
0.047
4.055%
4.125%
-0.843
4.106%
4.250%
-1.262
4.196%
4.375%
-1.279
4.319%
4.500%
-1.279
4.444%
4.625%
-1.698
4.533%
* Extra price adjustment might apply. Some counties are lower

 

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