Residential Mortgage Rates

Effective: July 18, 2008
All rates are for owner-occupied, single-family residences & subject to change daily
Rates and/or closing costs subject to credit score & loan-to-value
Call for quotes on non-conforming properties (which is property normally more than 5 acres), commerical and agriculture properties.

Years
Rate
Point
Out of Pocket Cost
Max
Loan-to-Value
30 year fixed
6.750%
1
+
95%
30 year fixed
6.875%
1/2
+
95%
30 year fixed
7.000%
0
+
95%
20 year fixed
6.625%
1
+
95%
20 year fixed
6.750%
1/2
+
95%
20 year fixed
6.875%
0
+
95%
15 year fixed
6.125%
1
+
95%
15 year fixed
6.250%
1/2
+
95%
15 year fixed
6.375%
0
+
95%
30-5 year balloon
7.000%
1
+
80%
30-5 year balloon
7.125%
1/2
+
80%
30-7 year balloon
7.000%
1
+
90%
30-7 year balloon
7.375%
1/2
+
90%


All rates subject to change daily
A "Point" is 1% of the Loan Amount as a loan closing fee charged to obtain a loan