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Rates & Loans



Rate Sheet as of 09/25/2018
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
3.875%
4.560
4.331%
2.875%
5.532
3.819%
2.250%
4.861
4.173%
4.000%
3.869
4.398%
3.000%
5.027
3.868%
2.375%
4.587
4.171%
4.125%
3.204
4.467%
3.125%
4.491
3.912%
2.500%
4.351
4.173%
4.250%
2.548
4.536%
3.250%
3.723
3.921%
2.625%
4.099
4.174%
4.375%
1.937
4.609%
3.375%
3.277
3.980%
2.750%
3.877
4.177%
4.500%
1.314
4.681%
3.500%
2.807
4.034%
2.875%
3.636
4.178%
4.625%
0.725
4.755%
3.625%
2.261
4.078%
3.000%
3.434
4.183%
4.750%
0.129
4.828%
3.750%
1.826
4.138%
3.125%
3.216
4.186%
4.875%
-0.423
4.905%
3.875%
1.475
4.211%
3.250%
3.007
4.190%
5.000%
-0.872
4.991%
4.000%
1.061
4.274%
3.375%
2.801
4.194%
5.125% -1.354 5.074% 4.125% 0.539 4.321% 3.500% 2.613 4.200%
5.250% 1.915 5.149% 4.250% 0.162 4.390% 3.625% 2.430 4.206%
5.375% -2.389 5.231% 4.375% -0.153 4.468% 3.750% 2.282 4.215%
5.500% -2.719 5.326% 4.500% -0.470 4.545% 3.875% 2.144 4.225%
5.625% -3.035 5.422% 4.625% -0.857 4.612% 4.000% 1.919 4.227%
  -3.589 -0.184% 4.750% -1.248 4.678% 4.125% 1.674 4.228%
      4.875% -1.482 4.768% 4.250% 1.428 4.228%

 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%
5.351
4.019%
2.500%
5.812
3.975%
2.750%
7.119
4.010%
2.375%
4.939
4.020%
2.625%
5.292
3.980%
2.875%
6.459
4.020%
2.500%
4.550
4.023%
2.750%
4.841
3.991%
3.000%
5.869
4.036%
2.625%
4.153
4.025%
2.875%
4.381
4.000%
3.125%
5.272
4.051%
2.750%
3.781
4.029%
3.000%
3.961
4.013%
3.250%
4.672
4.066%
2.875%
3.455
4.038%
3.125%
3.552
4.027%
3.375%
4.072
4.081%
3.000%
3.130
4.046%
3.250%
3.158
4.043%
3.500%
3.516
4.100%
3.125%
2.806
4.054%
3.375%
2.768
4.058%
3.625%
2.973
4.120%
3.250%
2.484
4.062%
3.500%
2.379
4.073%
3.750%
2.460
4.142%
3.375%
2.163
4.071%
3.625%
1.992
4.089%
3.875%
1.958
4.165%
3.500% 1.845 4.079% 3.750% 1.620 4.105% 4.000% 1.583 4.198%
3.625% 1.557 4.090% 3.875% 1.255 4.122% 4.125% 1.243 4.235%
3.750% 1.271 4.101% 4.000% 0.919 4.142% 4.250% 0.922 4.273%
3.875% 0.971 4.111% 4.125% 0.594 4.162% 4.375% 0.607 4.311%
4.000% 0.674 4.121% 4.250% 0.284 4.183% 4.500% 0.328 4.352%
4.125% 0.408 4.133% 4.375% -0.020 4.205% 4.625% 0.058 4.393%
4.250%     4.500% -0.293 4.229% 4.750% -0.210 4.435%
4.375%     4.625% -0.559 4.253% 4.875% -0.477 4.476%

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%
6.210
3.926%
2.250%
       5.611
4.239%
3.375%
8.331
4.155%
3.000%
5.775
3.985%
2.375%
5.337
4.238%
3.500%
7.527
4.211%
3.125%
5.261
4.033%
2.500%
5.101
4.240%
3.625%
6.727
4.268%
3.250%
4.391
4.025%
2.625%
4.849
4.240%
3.750%
5.968
4.329%
3.375%
3.975
4.087%
2.750%
4.627
4.243%
3.875%
5.172
4.386%
3.500%
3.558
4.150%
2.875%
4.386
4.244%
4.000%
4.392
4.445%
3.625%
3.065
4.201%
3.000%
4.184
4.249%
4.125%
3.625
4.504%
3.750%
2.263
4.205%
3.125%
3.966
4.252%
4.250%
2.923
4.569%
3.875%
1.810
4.262%
3.250%
3.757
4.256%
4.375%
2.294
4.641%
4.000%
1.387
4.324%
3.375%
3.551
4.260%
4.500% 1.745 4.719% 4.125% 0.916 4.378% 3.500% 3.363 4.266%
4.625% 1.073 4.786% 4.250% 0.538 4.446% 3.625% 3.180 4.271%
4.750% 0.442 4.856% 4.375% 0.330 4.541% 3.750% 3.032 4.280%
4.875% -0.124 4.932%       3.875% 2.894 4.290%
5.000% -0.632 5.012%       4.000% 2.669 4.292%
5.125% 0.156 5.208%       4.125% 2.424 4.293%
5.250% -0.415 5.282%       4.250% 2.178 4.293%
5.375% -0.914 5.362%            
                 


 

5/1 ARM
7/1 ARM
10/1 ARM
Rate
Points
APR
Rate
Points
APR
Rate
Points
APR
2.375%
6.101
4.123%
2.750%
6.562
4.144%
2.750%
7.869
4.078%
2.500%
5.689
4.124%
2.875%
6.042
4.147%
2.875%
7.209
4.087%
2.625%
5.300
4.126%
3.000%
5.591
4.157%
3.000%
6.619
4.103%
2.750%
4.903
4.128%
3.125%
5.131
4.166%
3.125%
6.022
4.118%
2.875%
4.531
4.132%
3.250%
4.711
4.178%
3.250%
5.422
4.133%
3.000%
4.205
4.140%
3.375%
4.302
4.192%
3.375%
4.822
4.147%
3.125%
3.880
4.147%
3.500%
3.908
4.206%
3.500%
4.266
4.166%
3.250%
3.556
4.155%
3.625%
3.518
4.221%
3.625%
3.723
4.185%
3.375%
3.234
4.163%
3.750%
3.129
4.236%
3.750%
3.210
4.207%
3.500%
2.913
4.171%
3.875%
2.742
4.250%
3.875%
2.708
4.230%
3.625% 2.595 4.179% 4.000% 2.370 4.266% 4.000% 2.333 4.263%
3.750% 2.307 4.190% 4.125% 2.005 4.283% 4.125% 1.993 4.300%
3.875% 2.021 4.201% 4.250% 1.669 4.302% 4.250% 1.672 4.337%
4.000% 1.721 4.210% 4.375% 1.344 4.321% 4.375% 1.357 4.375%
4.125% 1.424 4.220% 4.500% 1.034 4.342% 4.500% 1.078 4.416%
4.250% 1.158 4.232% 4.625% 0.730 4.363% 4.625% 0.808 4.458%
4.375% 102.250   4.750% 0.457 4.387% 4.750% 0.540 4.499%
4.500% 102.250   4.875% 0.191 4.411% 4.875% 0.273 4.540%

 

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%
0.651
3.351%
3.375%
0.158
3.437%
3.625%
-0.317
3.649%
3.750%
-0.773
3.737%
3.875%
-0.998
3.844%
4.000%
-0.998
3.969%
4.125%
-1.890
4.020%
4.250%
-2.309
4.110%
4.375%
-2.051
4.255%
4.500%
-2.051
4.379%
4.625%
-2.470
4.468%
* Extra price adjustment might apply. Some counties are lower

 

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