Latest Rates

Last update: August 27, 2008 02:26 PM EST

Rates valid for the states of
Alaska, California, Colorado, Connecticut, Florida, Indiana, Massachusetts, Montana, New Hampshire, South Carolina, Utah, and Wyoming

| Primary Residence and Second Home - Conforming |
| Jumbo Loan Programs | Home Equity Loans | Investment Properties - Conforming |

Please add 0.125% for loans between $75,000 to $100,000
and 0.25% for loans below $75,000.

Conforming rates are applicable for these specific housing types and loan limits:

• under $417,000 for single family residences/condominiums
  
• under $533,850 for 2-family homes
  
• under $645,300 for 3-family homes
  
• under $801,950 for 4-family homes

These rates include a lock-in protection for up to 60 days. For Information on how to lock-in a rate, click here.

These rates are for reference only and are subject to change without notice.

Please add 0.125% for loans between $75,000 to $100,000
and 0.25% for loans below $75,000.

Conforming rates are applicable for these specific housing types and loan limits:

• under $417,000 for single family residences/condominiums
  
• under $533,850 for 2-family homes
  
• under $645,300 for 3-family homes
  
• under $801,950 for 4-family homes

These rates include a lock-in protection for up to 60 days. For Information on how to lock-in a rate, click here.

These rates are for reference only and are subject to change without notice.

These rates include a lock-in protection for up to 60 days. For Information on how to lock-in a rate, click here.

Jumbo Loan Interest Only Programs Please call for loan amounts between $700,000 and $5,000,000 Jumbo rates are applicable for these specific housing types and loan limits: over $417,000 for single family residences/condominiums over $533,850 for 2-family homes over $645,300 for 3-family homes over $801,950 for 4-family homes

These rates include a lock-in protection for up to 60 days. For Information on how to lock-in a rate, click here.

Program Rates Points APR 30 yr Fixed Jumbo Interest Only Low payments. No pre-payment penalties. 6.250 2.000 6.435 6.500 1.000 6.599 6.875 0.000 6.887 7.125 -0.500 7.091 3/1 jumbo Adjustable Rate Mortgage Interest Only Lower fixed rate for the first 3 years. Lower payments. The average person kept their mortgage loan for 4.17 years in 1997-2002. Most people refinance every 3-5 years. I.e.: Lower rates, debt consolidation, college education, to open a business, etc... 5.250 2.000 5.612 5.625 1.000 5.614 5.875 0.000 5.587 5/1 jumbo Adjustable Rate Mortgage Interest Only Lower fixed rate for the first 5 years. Lower payments. The average person kept their mortgage loan for 4.17 years in 1997-2002. Most people refinance every 3-5 years. I.e.: Lower rates, debt consolidation, college education, to open a business, etc... 5.250 2.000 5.577 5.500 1.000 5.584 5.750 0.000 5.592

These rates are for reference only and are subject to change without notice.

Home Equity Rates

Program Rates Points APR Home Equity Line 7.250 -1.000 7.750 7.500 -1.000 7.750 7.750 -1.000 8.250 8.000 -1.000 8.500 Home Equity Loan 7.375 -1.000 7.375 7.875 -1.000 7.875 7.875 -1.000 7.875 7.990 -1.000 7.990 8.250 -1.000 8.250

Our Home Equity Loans can be amortized on a 5, 10, 15, 20 or 30 year term.

These rates are for reference only and are subject to change without notice.

Rates valid for the states of Alaska, California, Colorado, Connecticut, Florida, Indiana, Massachusetts, Montana, New Hampshire, South Carolina, Utah, and Wyoming Investment Properties Conforming Loan Programs Please add 0.125% for loans between $75,000 to $100,000 and 0.25% for loans below $75,000. Conforming rates are applicable for these specific housing types and loan limits: under $417,000 for single family residences/condominiums under $533,850 for 2-family homes under $645,300 for 3-family homes under $801,950 for 4-family homes

These rates include a lock-in protection for up to 60 days. For Information on how to lock-in a rate, click here.

Program	Rates	Points	APR
25, 30 yr Fixed Conforming Fixed for the lifetime of the loan. No pre-payment penalties. The most conservative and safest of all products.	6.250	2.500	6.520
	6.375	2.000	6.597
	6.625	1.000	6.751
	6.875	0.000	6.904
15 yr Fixed Conforming Fixed for the lifetime of the loan. No pre-payment penalties. Great for faster equity build up. Pay-off your loan in half the time and at a lower rate. Saves over $120,000 in interest over the lifetime of the average loan.	5.750	3.000	6.273
	6.000	2.000	6.364
	6.375	1.000	6.581
	6.625	0.000	6.671

These rates are for reference only and are subject to change without notice.