Many other Rates, Loan Options and Terms are available.  Call 1 (800) 370-5222 or click on Today's Rates above or Quick Quote at right for a rate quote tailored to your specific circumstances.  Apply now.

Loan Program	Rate	Points	APR*	Payment per $1000
30 Year Fixed Rate Mortgage	4.875%	0%	4.92%	$5.29
30 Year Fixed Rate Mortgage	4.50%	1.75%	4.65%	$5.07
20 Year Fixed Rate Mortgage	4.875%	0%	4.94%	$6.53
15 Year Fixed Rate Mortgage	4.25%	0%	4.32%	$7.52
30 Year 5/1 ARM (2.25 margin - 5/2/5 caps)	3.50%	0%	3.50%	$4.49
30 Year 7/1 ARM (2.25 margin - 5/2/5 caps)	3.75%	0%	3.75%	$4.63
30 Year Fixed FHA Mortgage	4.875%	0%	4.92%	$5.29
30 Year Fixed VA Mortgage	5.00%	0%	5.04%	$5.37
30 Year Fixed No Money Down RD Loan	5.00%	0%	5.04%	$5.37
30 Year Jumbo 5/1 ARM	5.125%	0%	5.125%	$5.44
CONSTRUCTION LOANS	call	call		call
Reverse Mortgages - No Monthly Payment  Must have counseling certificate. Call for specifics!

There are a number of variables which will determine what the rate might be for a specific loan.  Some of the important ones are:

• Loan Amount and Length of Loan
• Amount of Equity (refi) or Downpayment (purchase)
• Credit score & credit quality
• Number of units in dwelling and occupancy
• Conventional or government insured Loan
• Purchase, Rate and Term or Cash out on loan
• Seasonal Home
• Construction Loan

*All figures based on $150,000 loan amount (except Jumbo is based on $417,000 loan amount), and include assumptions about credit score (740), Loan-to-value (60%) and other loan factors, such as escrowed taxes and insurance.

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