Wednesday, December 17, 2008

Today's Rate

The Following are Refinance Rates::


Conforming 30 Year Fixed
5.000% Rate
5.000% APR
No Points. No Closing Cost. Refinance rate.
Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR
 
Conforming 15 Year Fixed
4.875% Rate
4.875% APR
No Points. No Closing Costs. Refinance Rate.
Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR
 
Conforming 5 Year ARM
6.375% Rate
6.377% APR
No Points. No Closing Costs. Refinance Rate
Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR
 
Conf Jumbo 30 Year Fixed
5.500% Rate
5.500% APR
No Points. No Closing Costs. Refinance rate.
Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR
 
Conf Jumbo 15 Year Fixed
5.125% Rate
5.125% APR
No Points. No Closing Costs. Refinance Rate.
Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 30 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR
 
Non Conforming 30 Year Fixed
8.375% Rate
8.414% APR
No Points.
Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $900000 Loan Amount, 30 Lock Days, Qualified Borrowers Only.
 
Non Conforming 7 Year ARM
7.375% Rate
7.412% APR
No Points.
Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $900000 Loan Amount, 30 Lock Days, Qualified Borrowers Only.
 


The above programs assume you are financing a single family detached home. Additional discounts may be available for low LTVs, high FICOs and imploying impound accounts to pay for property taxes and insurance. Rates are subject to change without notice.



Sincerely,
Sunil Sethi
Broker, Realtor, MBA, CPA
(510) 793-8600 ext. 107
(510) 388-2436






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