Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 5.625% Rate 5.625% 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 5.000% Rate 5.000% 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 6.125% Rate 6.128% 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 6.250% Rate 6.253% 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 5.000% Rate 5.000% 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

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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Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.375% Rate 6.377% 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 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, $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 5.625% Rate 5.625% 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 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

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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Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 5.625% Rate 5.625% 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 5.000% Rate 5.000% 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 5.875% Rate 5.880% 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 5.625% Rate 5.625% 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 5.000% Rate 5.000% 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

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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Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 5.750% Rate 5.750% 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 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, $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 5.875% Rate 5.880% 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 6.625% Rate 6.626% 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

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

Click Here to be removed from this list

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.250% Rate 6.253% 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 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, $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 5.875% Rate 5.880% 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 6.750% Rate 6.751% 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

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

Click Here to be removed from this list

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.375% Rate 6.377% 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 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, $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 5.875% Rate 5.880% 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 6.750% Rate 6.751% 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

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

Click Here to be removed from this list

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.625% Rate 6.626% 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 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, $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 6.000% Rate 6.004% 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 6.625% Rate 6.626% 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 5.500% 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, 30 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR

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

Click Here to be removed from this list

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.250% Rate 6.253% 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 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, $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 5.625% Rate 5.625% 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 6.500% Rate 6.502% 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

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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Loan Modification Program started Monday -12/15/08

David Stark at BayEast just sent this out:

 

Loan Modification Program kicks in:

On Monday (12/15), the Streamlined Loan Modification Program (SLMP) policies regarding loan modifications and foreclosure prevention became effective. The new policies apply to mortgages held by Fannie Mae, Freddie Mac and privately-held securities.

According to the Federal Housing Finance Agency eligible borrowers must meet the following criteria:

·         They must be owner-occupants;

·         They have missed three or more payments;

·         Have not filed bankruptcy;

·         Have experienced a hardship or change in financial circumstances, and

·         Have not purposely defaulted to obtain a modification.

For more information about the SLMP including several pages of Q&As specifically for real estate professionals, please click here.

 

 

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.250% Rate 6.253% 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 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, $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 6.125% Rate 6.128% 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 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, $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 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

Click Here to be removed from this list

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 5.625% Rate 5.625% 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 5.250% Rate 5.250% 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 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, $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 5.625% Rate 5.625% 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 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

Click Here to be removed from this list

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

Click Here to be removed from this list

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 5.750% Rate 5.750% 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 5.250% Rate 5.250% 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 6.625% Rate 6.626% 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 7.000% Rate 7.001% 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 5.750% Rate 5.750% 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 7 Year ARM 7.625% Rate 7.663% 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

Click Here to be removed from this list

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 5.625% Rate 5.625% 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 5.000% Rate 5.000% 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 6.750% Rate 6.751% 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 7.000% Rate 7.001% 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   Non Conforming 7 Year ARM 7.625% Rate 7.663% 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

Click Here to be removed from this list

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 5.625% Rate 5.625% 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 5.000% Rate 5.000% 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 6.750% Rate 6.751% 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   Non Conforming 7 Year ARM 7.625% Rate 7.663% 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

Click Here to be removed from this list

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 5.375% Rate 5.375% 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 5.000% Rate 5.000% 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   Non Conforming 7 Year ARM 7.625% Rate 7.663% 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

Click Here to be removed from this list

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 5.250% Rate 5.250% 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 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, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR

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

Click Here to be removed from this list

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.000% Rate 6.004% 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 5.375% Rate 5.375% 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

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

Click Here to be removed from this list

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.250% Rate 6.253% 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 5.625% Rate 5.625% 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

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

Click Here to be removed from this list

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 5.625% Rate 5.625% 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 5.375% Rate 5.375% 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 6.625% Rate 6.626% 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   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.

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

Click Here to be removed from this list

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 5.625% Rate 5.625% 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 5.750% Rate 5.750% 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 6.625% Rate 6.626% 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   Non Conforming 30 Year Fixed 8.500% Rate 8.540% 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

If you would like to be removed from this mailing please email me at sunil@sunilsethi.com

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.125% Rate 6.128% 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 5.875% Rate 5.875% 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 6.625% Rate 6.626% 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   Non Conforming 30 Year Fixed 8.500% Rate 8.540% 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

If you would like to be removed from this mailing please email me at sunil@sunilsethi.com

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 5.625% Rate 5.625% 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 5.625% Rate 5.625% 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 15 Year Fixed 6.750% Rate 6.750% 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 8.500% Rate 8.540% 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 7.500% Rate 7.538% 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

If you would like to be removed from this mailing please email me at sunil@sunilsethi.com

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 5.625% Rate 5.625% 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 5.375% Rate 5.375% 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 6.500% Rate 6.502% 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 5.625% Rate 5.625% 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 5.250% Rate 5.250% 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 8.000% Rate 8.039% 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

If you would like to be removed from this mailing please email me at sunil@sunilsethi.com

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 5.875% Rate 5.880% 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 5.625% Rate 5.625% 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 6.625% Rate 6.626% 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 5.875% Rate 5.880% 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 5.375% Rate 5.375% 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 8.000% Rate 8.039% 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

If you would like to be removed from this mailing please email me at sunil@sunilsethi.com

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 5.875% Rate 5.880% 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 5.750% Rate 5.750% 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 6.625% Rate 6.626% 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 5.750% Rate 5.750% 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 5.625% Rate 5.625% 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 8.000% Rate 8.039% 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

If you would like to be removed from this mailing please email me at sunil@sunilsethi.com

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 5.750% Rate 5.750% 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 5.750% Rate 5.750% 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 6.625% Rate 6.626% 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 7.375% Rate 7.375% 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   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 8.125% Rate 8.164% 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

If you would like to be removed from this mailing please email me at sunil@sunilsethi.com

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 5.750% Rate 5.750% 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 5.750% Rate 5.750% 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 6.500% Rate 6.502% 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 6.250% Rate 6.253% 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 6.375% Rate 6.376% 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 8.125% Rate 8.164% 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

If you would like to be removed from this mailing please email me at sunil@sunilsethi.com