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Rates & Loans



Rate Sheet as of 07/13/2018
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%
3.143
4.206%
2.875%
4.847
3.712%
2.250%
4.492
4.140%
4.000%
2.583
4.285%
3.000%
4.325
3.759%
2.375%
4.217
4.139%
4.125%
1.924
4.354%
3.125%
3.790
3.804%
2.500%
3.981
4.141%
4.250%
1.295
4.426%
3.250%
3.131
3.830%
2.625%
3.729
4.141%
4.375%
0.723
4.503%
3.375%
2.670
3.887%
2.750%
3.515
4.145%
4.500%
0.236
4.587%
3.500%
2.201
3.942%
2.875%
3.285
4.147%
4.625%
-0.347
4.662%
3.625%
1.666
3.987%
3.000%
3.064
4.151%
4.750%
-0.916
4.738%
3.750%
1.283
4.056%
3.125%
2.845
4.154%
4.875%
-1.428
4.818%
3.875%
0.942
4.130%
3.250%
2.636
4.158%
5.000%
-1.842
4.904%
4.000%
0.558
4.198%
3.375%
2.430
4.162%
5.125% -2.273 4.994% 4.125% 0.048 4.247% 3.500% 2.242 4.168%
5.250% 2.813 5.071% 4.250% -0.280 4.323% 3.625% 2.059 4.174%
5.375% -3.259 5.156% 4.375% -0.586 4.403% 3.750% 1.912 4.183%
5.500% -3.623 5.247% 4.500% -0.891 4.482% 3.875% 1.773 4.193%
5.625% -3.885 5.348% 4.625% -1.003 4.590% 4.000% 1.548 4.195%
  -4.357 -0.233% 4.750% -1.372 4.660% 4.125% 1.301 4.196%
      4.875% -1.612 4.749% 4.250% 1.053 4.196%

 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%
4.726
3.964%
2.500%
4.592
3.868%
2.750%
6.039
3.914%
2.375%
4.342
3.968%
2.625%
4.145
3.880%
2.875%
5.305
3.918%
2.500%
3.981
3.973%
2.750%
3.724
3.893%
3.000%
4.719
3.935%
2.625%
3.608
3.978%
2.875%
3.312
3.908%
3.125%
4.172
3.955%
2.750%
3.237
3.982%
3.000%
2.899
3.922%
3.250%
3.639
3.976%
2.875%
2.896
3.989%
3.125%
2.487
3.936%
3.375%
3.110
3.998%
3.000%
2.556
3.996%
3.250%
2.118
3.953%
3.500%
2.613
4.022%
3.125%
2.217
4.004%
3.375%
1.762
3.972%
3.625%
2.126
4.047%
3.250%
1.880
4.011%
3.500%
1.436
3.993%
3.750%
1.703
4.077%
3.375%
1.558
4.019%
3.625%
1.119
4.015%
3.875%
1.299
4.108%
3.500% 1.239 4.028% 3.750% 0.804 4.036% 4.000% 0.913 4.141%
3.625% 0.936 4.038% 3.875% 0.491 4.058% 4.125% 0.533 4.174%
3.750% 0.635 4.047% 4.000% 0.181 4.079% 4.250% 0.236 4.214%
3.875% 0.349 4.059% 4.125% -0.128 4.101% 4.375% -0.039 4.256%
4.000% 0.066 4.070% 4.250% -0.420 4.124% 4.500% -0.377 4.292%
4.125% -0.202 4.082% 4.375% -0.707 4.147% 4.625% -0.731 4.326%
4.250%     4.500% -0.964 4.173% 4.750% -0.969 4.370%
4.375%     4.625% -1.214 4.198% 4.875% -1.180 4.416%

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%
7.863
3.981%
2.875%
5.266
3.777%
2.250%
       5.242
4.206%
3.375%
6.998
4.033%
3.000%
4.821
3.836%
2.375%
4.967
4.205%
3.500%
6.139
4.086%
3.125%
4.328
3.887%
2.500%
4.731
4.207%
3.625%
5.275
4.138%
3.250%
3.537
3.892%
2.625%
4.479
4.207%
3.750%
4.527
4.200%
3.375%
3.117
3.955%
2.750%
4.265
4.211%
3.875%
3.885
4.272%
3.500%
2.702
4.018%
2.875%
4.035
4.213%
4.000%
3.108
4.331%
3.625%
2.240
4.074%
3.000%
3.814
4.216%
4.125%
2.345
4.391%
3.750%
1.743
4.125%
3.125%
3.595
4.219%
4.250%
1.670
4.459%
3.875%
1.299
4.184%
3.250%
3.386
4.223%
4.375%
1.091
4.535%
4.000%
0.885
4.247%
3.375%
3.180
4.227%
4.500% 0.578 4.616% 4.125% 0.444 4.307% 3.500% 2.992 4.233%
4.625% 0.187 4.708% 4.250% 0.095 4.380% 3.625% 2.809 4.239%
4.750% -0.416 4.781% 4.375% -0.105 4.475% 3.750% 2.662 4.248%
4.875% -0.933 4.861%       3.875% 2.523 4.258%
5.000% -1.402 4.945%       4.000% 2.298 4.260%
5.125% -0.139 5.093%       4.125% 2.051 4.260%
5.250% -1.688 5.169%       4.250% 1.803 4.260%
5.375% -2.161 5.252%            
                 


 

5/1 ARM
7/1 ARM
10/1 ARM
Rate
Points
APR
Rate
Points
APR
Rate
Points
APR
2.375%
5.476
4.068%
2.750%
5.342
4.035%
2.750%
6.789
3.980%
2.500%
5.092
4.071%
2.875%
4.895
4.045%
2.875%
6.055
3.984%
2.625%
4.731
4.076%
3.000%
4.474
4.058%
3.000%
5.469
4.000%
2.750%
4.358
4.080%
3.125%
4.062
4.072%
3.125%
4.922
4.020%
2.875%
3.987
4.084%
3.250%
3.649
4.085%
3.250%
4.389
4.041%
3.000%
3.646
4.091%
3.375%
3.237
4.099%
3.375%
3.860
4.063%
3.125%
3.306
4.097%
3.500%
2.868
4.115%
3.500%
3.363
4.087%
3.250%
2.967
4.104%
3.625%
2.512
4.133%
3.625%
2.876
4.111%
3.375%
2.630
4.111%
3.750%
2.186
4.154%
3.750%
2.453
4.141%
3.500%
2.308
4.119%
3.875%
1.869
4.175%
3.875%
2.049
4.173%
3.625% 1.989 4.127% 4.000% 1.554 4.196% 4.000% 1.663 4.205%
3.750% 1.686 4.137% 4.125% 1.241 4.217% 4.125% 1.283 4.238%
3.875% 1.385 4.146% 4.250% 0.931 4.238% 4.250% 0.986 4.278%
4.000% 1.099 4.157% 4.375% 0.622 4.259% 4.375% 0.711 4.320%
4.125% 0.816 4.168% 4.500% 0.330 4.282% 4.500% 0.373 4.356%
4.250% 0.548 4.180% 4.625% 0.043 4.304% 4.625% 0.019 4.390%
4.375% 102.250   4.750% -0.214 4.329% 4.750% -0.219 4.434%
4.500% 102.250   4.875% -0.464 4.355% 4.875% -0.430 4.480%

 

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%
-0.332
3.273%
3.375%
-0.794
3.361%
3.625%
-1.237
3.575%
3.750%
-1.662
3.665%
3.875%
-1.692
3.787%
4.000%
-1.692
3.912%
4.125%
-2.524
3.968%
4.250%
-2.915
4.060%
4.375%
-2.445
4.222%
4.500%
-2.445
4.346%
4.625%
-2.837
4.437%
* Extra price adjustment might apply. Some counties are lower

 

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