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| Fixed Rate Mortgages 1 Conventional |
Adjustable Rate Mortgages (ARM’s)1 Conventional |
|---|---|
| Term Options | |
| Up to 15 Years | Up to 30 Years |
| Available Loan Purpose | |
| Purchase / Refinance | Purchase / Refinance |
| Minimum / Maximum Loan Amounts | |
| Conforming ≤ $417,000 Jumbo > $417,000 |
Conforming ≤ $417,000 Jumbo > $417,000 |
| Maximum Loan to Value | |
| Up to 80% of Appraised Value |
Up to 80% of Appraised Value |
| Benefits | |
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Rates, terms, conditions, and availability are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an offer or commitment to lend. Loans are subject to credit and property approval. Other conditions and restrictions may apply. Hazard insurance may be required. NLMS ID Number is 853793.
1. All loans are subject to credit approval.
2. APRs are based on the following:
- Conforming (except 5/5 ARM products): Loan amount of $417,000.00 + closing costs
- High Balance Loan amount of $625,500.00 + closing costs
- Jumbo (except 5/5 ARM products): Loan amount of $850,000.00 + closing costs
- Mortgage rates shown are based on a 30-day lock for the rate and term refinance of a primary residence. Under certain circumstances, a 30-day rate lock may not be available.
Rate shown at 80% loan-to-value (LTV), owner-occupied refinance or purchase with excellent credit. Your rate may be different than what is shown.
The index is the auction average of short term U.S. government bills with a 26 week maturity, as made available by the Federal Reserve. The caps are 2% annually and 5% lifetime based on the initial rate. The current index is http://www.treasury.gov/
High-Balance Mortgages allow for higher loan limits beyond the $417,000 conforming limit up to $625,500 for high-cost areas as determined by the Federal Finance Agency (FHFA). These higher limits are designed to make home ownership more affordable in areas with the highest home prices and are typically priced below jumbo mortgage loan.
The index (for 5/5 product) is the auction average of short term U.S. government bills with a 26 week maturity, as made available by the Federal Reserve. The caps are 2% annually and 5% lifetime based on the initial rate. The current index is http://www.fedprimerate.com/
Please contact one of our loan representatives at 650-367-8940 to get a more exact rate.
5/5 product APRs are based on the following:
- Conforming: Loan amount of $417,000.00
- Jumbo: Loan amount of $850,000.00
- Mortgage rates shown are based on a 30-day lock for the rate and term refinance of a primary residence. Under certain circumstances, a 30-day rate lock may not be available.