Home Loans

Interest rates are subject to change without notice - this is not a rate lock commitment or a commitment to lend.  You will need to speak to one of our loan officers to obtain a specific quote or to lock a rate.  Final rates, points and terms are based on an evaluation of credit history, loan-to-value, occupancy, payment type, loan amount, loan purpose, property type and location, property use.

ARM rates are subject to change during the life of the loan as specified in the loan documents and vary by product selected.

Rates provided assume the purpose of the loan is to purchase an existing single family home to be used as a primary residence and a credit score of 740.  An escrow (impound) account is required and actual monthly payments will be higher as it will also include amounts for real estate taxes and homeowner's insurance premiums.  Escrow waivers may be available in some cases and additional fees will apply.

Conforming Rates:  Available on loan amounts up to $647,200 (subject to county loan limits).  Quoted rates assume the factors listed above and a loan amount of $300,000 and an estimated property value of $600,000.

Loan amounts between $647,200 and $970,800 (subject to county loan limits) are considered Conforming High-Balance Loans and are subject to additional rate adjustments.  Please contact a loan officer for a rate quote on a Conforming High-Balance loan.

Jumbo Rates:  Available on loan amounts over $970,800 (subject to county loan limits).  Quoted rates assume the factors listed above and a loan amount of $1,100,000 and an estimated property value of $2,200,000. 

EQUAL HOUSING LENDER We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.