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TODAY'S RATE

Tuesday, October 24, 2017

          @ 10 am            

 

 

CONFORMING FIXED & ARM

Loan Amounts below $417,000 - Full Doc, 60% LTV or less, No Cash Out
SFR - Owner Occupied - FICO 740+ - 30 days Lock

45 Day Lock Price: Add 0.250 point to 30 Day

30yr  FIXED

 

15yr FIXED

Rate  Points APR   Rate Points APR
3.750 0.7650 4.050 3.125 1.000 3.425
3.875 0.150 4.125 3.250 0.200 3.550
4.000 -0.500 4.250 3.375 -0.250 3.625

              

5/1 ARM LIBOR
Cap 5/2/5, Margin 2.25

 

7/1 ARM LIBOR
Cap 5/2/5, Margin 2.25

Rate Points APR   Rate Points APR
3.125 1.000 3.425 3.375 1.000 3.675
3.250 0.750 3.550 3.500 0.750 3.800
3.375 0.500 3.625 3.625 0.500 3.925

NON OWNER OCCUPIED
30 YR FIXED - 75% LTV

 

NON OWNER OCCUPIED
15 YR FIXED - 75% LTV

Rate

Points

APR

 

Rate

Points

APR

4.125 1.250 4.475 3.750 0.750 4.050
4.250 0.750 4.550 3.875 0.375 4.175
4.375 0.000 4.675 4.000 0.200 4.300

 

CONFORMING HIGH BALANCE

Loan Amount from $417,001 to $580,750
Owner Occupied - Full Doc - SFR -
60% LTV or less - FICO 740+ - No Cash Out - 30 days Lock

45 Day Lock Price: Add 0.250 point to 30 Day

 30 YEAR FIXED

 

  15 YEAR FIXED

 Rate

Points

APR

 

 Rate

Points

APR

3.875 1.000 4.175 3.500 0.875 3.800
4.000 0.375 4.300 3.625 0.500 3.925
4.125 -0.150 4.375 3.750 0.250 4.050

 

FANNIE MAE REFINANCE HARP 2.0

Loan Amounts below $417,000 - Full Doc, 105% LTV or less, No Cash Out
SFR - Owner Occupied - FICO 740+ - 30 days Lock

45 Day Lock Price: Add 0.250 point to 30 Day

 30 YEAR FIXED

 

  15 YEAR FIXED

 Rate

Points

APR

 

 Rate

Points

APR

3.750 1.125 4.050 3.250 0.750 3.550
3.875 0.625 4.175 3.375 0.250 3.675
4.000 0.000 4.300 3.500 -0.200 3.750

 

JUMBO FIXED & ARM

Loan Amount above $580,751
Owner Occupied - Full Doc - SFR -
60% LTV or less - FICO 740+ - No Cash Out - 30 days Lock<

45 Day Lock Price: Add 0.250 point to 30 Day

 30 YEAR FIXED

 

  15 YEAR FIXED

 Rate

Points

APR

 

 Rate

Points

APR

4.250 0.875 4.550 3.875 1.000 4.175
4.375 0.500 4.675 4.000 0.750 4.300
4.500 0.150 4.800 4.125 0.500 4.425

              

5/1 ARM
Cap 5/2/5, Margin 2.25

 

7/1 ARM
Cap 5/2/5, Margin 2.25

Rate Points APR   Rate Points APR
3.750 0.875 4.050 3.750 1.000 4.050
3.875 0.625 4.175 3.875 0.750 4.125
4.000 0.500 4.175 4.000 0.625 4.300

                                            

DISCLOSURES:

This is not a commitment or an offer to lend. Credit is subject to approval. Rates and points are for illustrative purposes only and may vary based on borrower's credit score, actual closing costs and other variables. If LTV is above 80%, mortgage insurance may be required which could increase the monthly payment and APR.

A 5/1 ARM or 7/1 ARM has a fixed interest rate for the first 5 years/7 years. After 5 years/7 years, the rate can change once every year for the remaining term of the loan. When the rate changes, your monthly payments will increase if rates go up and decrease if rates fall. Monthly payments are fixed for the first 5 years/7 years with an adjustable rate mortgage that has an initial five year fixed rate period. Rate adjusts annually and may vary after the fixed rate period. Payment stated does not include taxes and insurance which will result in a higher actual monthly payment.

Call us at (858) 547-8181 to request information about any of our loan programs and additional rate/point combinations.
RSSC INC, Real Estate Broker - California Department of Real Estate License # 01157105; NMLS License # 311094