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Real Estate Rates

 Accurate as of September 1, 2010
  Conforming Conventional Fixed Rate ($25,000 Up To $500,000)1  
  Product Down Payment Rate Points APR Margin Life Cap Floor  
  30 Year 20% 4.500% 1.00% 4.717% N/A N/A N/A  
  Fixed 4.625% 0.00% 4.755% N/A N/A N/A  
  20 Year 20% 4.375% 1.00% 4.671% N/A N/A N/A  
  Fixed 4.500% 0.00% 4.677% N/A N/A N/A  
  15 Year 20% 4.250% 1.00% 4.627% N/A N/A N/A  
  Fixed 4.375% 0.00% 4.600% N/A N/A N/A  
  10 Year 20% 4.125% 1.00% 4.665% N/A N/A N/A  
  Fixed 4.250% 0.00% 4.573% N/A N/A N/A  
  Adjustable Rate Mortgages ($25,000 Up To $1,500,000)4 ³CMT Index:  0.260%  
  Product Down Payment Rate Points APR Margin Life Cap Floor  
  1/1 CMT 20% 4.425% 1.00% 4.189% 2.75% 10.425% 3.925%  
    5.052% 0.00% 5.168% 3.00% 11.052% 4.552%  
  3/1 CMT 20% 5.168% 1.00% 5.114% 2.75% 11.168% 4.668%  
    5.668% 0.00% 5.439% 2.75% 11.668% 5.168%  
  5/1 CMT 20% 5.488% 1.00% 5.512% 2.75% 10.488% 4.988%  
    5.988% 0.00% 5.834% 2.75% 10.988% 5.488%  
  Jumbo Conventional Fixed Rate ($500,001 Up To $1,500,000)2  
  Product Down Payment Rate Points APR Margin Life Cap Floor  
  30 Year 20% 5.000% 2.00% 5.217% N/A N/A N/A  
  Fixed 5.250% 1.00% 5.379% N/A N/A N/A  
    5.500% 0.00% 5.539% N/A N/A N/A  
  15 Year 20% 4.500% 2.00% 4.868% N/A N/A N/A  
  Fixed 5.000% 1.00% 5.125% N/A N/A N/A  
    5.250% 0.00% 5.315% N/A N/A N/A  
Examples
For a 1st trust deed mortgage refinance transaction with a loan amount of $100,000 at an interest rate of 4.625%(APR 4.755%), you would make 360 monthly payments of principal and interest of $514.14 (assumes a single unit owner-occupied residence, 20% down payment).

For a 1st trust deed mortgage refinance transaction with a loan amount of $500,001 at an interest rate of 5.500% (APR 5.539%), you would make 360 monthly payments of principal and interest of $2,838.95 (assumes a single unit owner-occupied residence, 20% down payment).
  1APR (Annual Percentage Rate) for conforming fixed rate and adjustable rate products assume a single unit residence, 20% down payment, owner occupied and a loan amount of $100,000.00 for a refinance transaction
2APR (Annual Percentage Rate) for jumbo fixed rate products assume a single unit residence, 20% down payment, owner occupied and a loan amount of $500,001.00 for a refinance transaction
3Based on the weekly average yield on U.S. Treasury securities adjusted to a constant maturity of one year as made available by the Federal Reserve Board in Statistical Release H.15.
4 Interst rates and payments may increase after consummation.
 Notes  1. For FRM's add .25% to rate for 3 and 4 unit owner occupied residences.
2. For FRM's add 1.50% to points for non-owner occupied residences.
3. For ARM's add .25% to start rate, margin, life cap and floor for non-owner occupied residences.
4. For FRM's points above contemplates 30 day rate lock at time of approval.
Add .50% for "lower of lock or market" option.
.50% of loan amount is nonrefundable and must be paid at time of application.
5. For ARM's points above contemplates free "lower of lock or market" option.
 

Rates Available For California Properties Only.                    Rates and Terms are subject to change without notice.

Call for current rates - 800.524.CASH

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