See our Financial Calculators

* The introductory APR will be determined at the time of loan approval based on your FICO score. The introductory rate expires after 60 months. After the introductory period, the APR is determined by adding a margin of 2.75% to the weekly average yield on U.S. Treasury Securities adjusted to a constant maturity of one year with a floor of 4.00% APR. A recent APR as of November 14, 2012 was 4.00% The APR is subject to change after consummation and may change annually after the first five years. Add .50% to Rate with a Floor of 4.50% for Investment properties.

**Actual APR will be determined at the time of loan approval based on your FICO score.

Conforming Loans are up to $417,000.00; Jumbo Loans are up to $1,500,000.00. Rates can be locked for 60 days. Add .50% to interest rate for Investment properties. Property must be zoned residential to qualify for these rates.

Examples:  
A 30 year 5/1 ARM loan of $10,000 at an interest rate of 4.25% and an APR of 4.29% would require 60 monthly payments of $49.19.

A 30 year fixed rate loan of $10,000 at an interest rate of 4.75% and an APR of 4.956% would require 360 monthly payment of $52.16.

A 15 year fixed rate loan of $10,000 at an interest rate of 4.25% and an APR of 4.604% would require 180 monthly payments of $75.23.

Fees and Costs
Appraisal $400.00
Credit report $16.95 per applicant
Documentation Preparation Fee $225.00
Flood Certification Fee $15.00

**Call Us** for appraisal fees for Jumbo Loans
Credit Reports for Individual Borrowers – $16.95 per applicant

Loan information is provided to assist in evaluating alternatives only and does not constitute an offer to extend credit.

Rates are subject to change without notice.  Rates effective as of January 16, 2013.

Loans subject to credit approval.

Payments do not include the amounts for taxes and insurance premiums. The actual payment will be greater.