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Residential Mortgage Rates

						Zero Points						3 Points
						Rate			APR			Rate			APR
30 Year Fixed			Conforming			6.000%			6.053%			5.875%			6.214%
			Jumbo			6.750%			6.805%			6.625%			6.980%
15 Year Fixed			Conforming			5.875%			5.963%			5.375%			5.937%
			Jumbo			6.250%			6.339%			5.625%			6.190%
3/1 ARM			Conforming			5.750%			6.012%			5.375%			6.202%
			Jumbo			5.875%			6.044%			5.375%			6.202%
5/1 ARM			Conforming			5.875%			6.022%			5.750%			6.260%
			Jumbo			6.000%			6.071%			5.750%			6.260%
NOTES: Conforming Loans are up to $417,000.00; Jumbo Loans are up to $1,500,000.00. Rates can be locked for 30 days. Add .50% to Rate for Investment properties. Property must be zoned residential to qualify for these rates.