RATES & PRICING

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RATES & PRICING - california Change States

GUARANTEED CLOSING COSTS, THE INTEREST RATE, POINTS AND/OR REBATES ARE DELIVERED IF THE INTEREST RATE WAS LOCKED IN AND YOUR LOAN FUNDS BY THE LOCK EXPIRATION DATE. A RATE LOCK DOES NOT GUARANTEE LOAN APPROVAL OR LOAN CLOSING.DUE TO U.S. TREASURY SECURITIES MARKETS AND/OR OTHER FACTORS, RATES, TERMS AND PROGRAMS ARE SUBJECT TO CHANGE WITHOUT NOTICE. APPLYING FOR A MORTGAGE LOAN OR LOCKING IN AN INTEREST RATE DOES NOT OBLIGATE YOU TO CLOSE THE LOAN.

MORTGAGE LOAN COMPENSATION IS EITHER (1) BORROWER PAID OR (2) LENDER PAID, NOT BOTH. PLEASE CLICK HERE TO REVIEW (1) BORROWER-PAID COMPENSATION OR (2) LENDER PAID OR YIELD SPREAD CREDIT REBATE COMPENSATION.

FEDERAL RULES ARE DESIGNED TO GUIDE THE BORROWER INTO A LOWER INTEREST RATE, PROVIDED THAT THE LENDER PAID REBATE CREDIT EXCEEDS A COMBINATION OF: (1) NON-RECURRING CLOSING COSTS PLUS (2) ACCRUED INTEREST ON THE PROPOSED LOAN PLUS (3) HOME OWNERS INSURANCE PREMIUMS DUE, IF ANY, PLUS (4) IMPOUND DEPOSITS, IF ANY, AS APPLICABLE. IF THE LENDER PAID REBATE CREDIT EXCEEDS ITEMS 1-5 ABOVE THEN THE BORROWER MUST TAKE A LOWER INTEREST RATE WITH A LESSER REBATE OR ANY EXCESS REBATE MAY BE APPLIED TOWARDS PRINCIPAL CURTAILMENT OR LOAN BALANCE REDUCTION.

IT IS VERY IMPORTANT TO UNDERSTAND THAT POINTS AND/OR REBATE CREDIT POINTS, IF ANY, ARE DIRECTLY LINKED TO A SPECIFIC INTEREST % RATE AND ARE EXPRESSED AS A TOTAL IN THE NET POINTS COLUMN. THE COMBINATION OF POINTS AND ANY REBATE CREDIT POINTS SHOULD BE CONSIDERED BY YOU IN CLOSING THE LOAN.


Interest Rates,Terms and/or Loan Programs can change without prior notice. Ask us for current rate information. Borrowers and properties must qualify for all loan programs. Conditions and restrictions may apply.

LAST UPDATE: 04-17-2024 09:16:09 PDT


NOTE RATE% AND NET POINT QUOTES ARE CALCULATED BASED ON $766,550 CONFORMING LOAN, $1,149,825 HIGH-BALANCE CONFORMING AND A $3.0 MILLION JUMBO LOAN AMOUNT. APR% QUOTES MAY NOT REFLECT CERTAIN RECURRING ITEMS SUCH AS PMI, PROPERTY TAXES AND/OR HOMEOWNER'S INSURANCE AND ARE BASED ON THE NON-RECURRING CLOSING COSTS, IF ANY. TERMS CAN VARY DUE TO FICO SCORE, LOAN-TO-VALUE, DEBT-TO-INCOME RATIOS AND/OR OTHER UNDERWRITING FACTORS. APR% MAY VARY DUE TO THE COMPILATION OF CLOSING COSTS USED TO COMPUTE A RESPECTIVE APR% AND MAY DIFFER FROM THE ACTUAL APR% EXPRESSED IN THE LENDER'S SUPERSEDING LOAN DISCLOSURES. FOCUS ON THE NOTE RATE%, NON-RECURRING COSTS PLUS NET POINTS OR MINUS OFFSETTING LENDER REBATE CREDIT POINTS, IF ANY. CONFORMING PROGRAM QUOTES ARE TYPICALLY EXPRESSED AS A GUIDE TO SINGLE FAMILY RESIDENCE BASE PRICING AT <=75% LOAN-TO-VALUE, FICO SCORE 780, FULL INCOME & ASSET DOCUMENTATION. PLEASE SEE NOTES IN EACH PROGRAM BOX. RATES, PROGRAMS AND/OR TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE. ERRORS & OMISSION EXCEPTED. CALL 877-981-5626 FOR CLARIFICATION ON FICO SCORE, LOAN-TO-VALUE AND/OR OTHER FACTORS SUCH AS PROPERTY TYPE, PURCHASE AND/OR REFINANCING.


CONFORMING

SINGLE FAMILY RESIDENCE, OWNER OCCUPIED OR 2ND HOME, FULL INCOME & ASSET DOCUMENTATION. MINIMUM 620 MIN SCORE. 1 UNIT $766,550 - 2 UNITS $981,500 - 3 UNITS $1,186,350 - 4 UNITS $1,474,400

If you don't find the rate you're looking for, CLICK HERE to let us know what rate you want!



HIGH BALANCE CONFORMING

SINGLE FAMILY RESIDENCE, OWNER OCCUPIED OR 2ND HOME. LOAN LIMITS MAY VARY BY COUNTY. FULL ASSET AND INCOME DOCUMENTATION. MINIMUM 620 FICO SCORE. PLEASE CALL FOR PRICING ON INVESTMENT PROPERTY. 1 UNIT $1,149,825 - 2 UNITS $1,472,250 - 3 UNITS $1,779,525 - 4 UNITS $2,211,600

If you don't find the rate you're looking for, CLICK HERE to let us know what rate you want!



JUMBO

BASE RATE PURCHASE PRICING QUOTED WITH 780 FICO SCORE <=60% LTV. PLEASE CALL FOR QUOTES ON HIGHER LOAN AMOUNTS/LTV AND OTHER SCENARIOS.

If you don't find the rate you're looking for, CLICK HERE to let us know what rate you want!



INVESTMENT PROPERTY

NON-OWNER PURCHASE MAX 80% LTV. PLEASE CALL FOR DETAILS.

If you don't find the rate you're looking for, CLICK HERE to let us know what rate you want!



CLICK TO READ THE DISCLOSURE OF IMPORTANT LOAN TERMS


NOTE RATE% AND NET POINT QUOTES ARE CALCULATED BASED ON $766,550 CONFORMING LOAN, $1,149,825 HIGH-BALANCE CONFORMING LOAN AND A $3.0 MILLION JUMBO LOAN. APR% QUOTES DO NOT REFLECT CERTAIN RECURRING ITEMS SUCH AS PMI, PROPERTY TAXES AND/OR HOMEOWNER'S INSURANCE AND ARE BASED ON THE NET NON-RECURRING CLOSING COSTS, IF ANY. TERMS CAN VARY DUE TO FICO SCORE, LOAN-TO-VALUE, DEBT-TO-INCOME RATIOS AND/OR OTHER UNDERWRITING FACTORS. APR% MAY VARY DUE TO THE COMPILATION OF CLOSING COSTS USED TO COMPUTE A RESPECTIVE APR% AND MAY DIFFER FROM THE ACTUAL APR% EXPRESSED IN THE LENDER'S SUPERSEDING LOAN DISCLOSURES. FOCUS ON THE NOTE RATE%, NON-RECURRING COSTS PLUS NET POINTS OR MINUS OFFSETTING LENDER REBATE CREDIT POINTS, IF ANY. THE LOAN PROGRAM QUOTES ARE TYPICALLY EXPRESSED AS A GUIDE TO SINGLE FAMILY RESIDENCE BASE PRICING AT <=75% LOAN-TO-VALUE, FICO SCORE 780, FULL ASSET & INCOME DOCUMENTATION. PLEASE SEE NOTES IN EACH PROGRAM BOX. RATES, PROGRAMS AND/OR TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE. ERRORS & OMISSION EXCEPTED. CALL 877-981-5626 FOR CLARIFICATION ON FICO SCORE, LOAN-TO-VALUE AND/OR OTHER FACTORS SUCH AS PROPERTY TYPE, PURCHASE AND/OR REFINANCING.

Interest Rates, Terms and/or Loan Programs can change without prior notice. Ask us for current rate information. Borrowers and properties must qualify for all loan programs. Conditions and restrictions may apply.





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