Current Interest Rates

Current Rates
We beat market rates everyday. Please call us for a custom quote.

ProgramRatesAPR
30 Year Fixed Conforming2.75%2.81%
15 Year Fixed Conforming2.60%2.615%
5/1 Year ARM Conforming3.80%4.30%

Residential Loan Rates

30 Years Fixed:

  • No-Point Transaction:  2.75% APR

  • No- Loan Fees Purchase: 2.875% APR

  • No Cost Refinance: 3.00% APR

15 Years Fixed:

  • No-Point Transaction:  2.50% APR

  • No- Loan Fees Purchase: 2.625% APR

  • No Cost Refinance: 2.75% APR

5/1 Year ARM:

  • No-Point Transaction:  3.625% APR

  • No- Loan Fees Purchase: 3.75% APR

  • No Cost Refinance: 4.0% APR

30 Years Fixed:

  • No-Point Transaction:  3.125% APR

  • No- Loan Fees Purchase: 3.25% APR

  • No Cost Refinance: 3.375% APR

     

15 Years Fixed:

  • No-Point Transaction:  2.75% APR

  • No- Loan Fees Purchase: 2.875% APR

  • No Cost Refinance: 2.875% APR

5/1 Year ARM:

  • No-Point Transaction:  3.50% APR

  • No- Loan Fees Purchase: 3.75% APR

  • No Cost Refinance: 4.0% APR

30 Years Fixed:

  • No-Point Transaction:  4.25% APR

  • No- Loan Fees Purchase: 4.375% APR

  • No Cost Refinance: 4.5% APR

     

15 Years Fixed:

  • No-Point Transaction:  4.0% APR

  • No- Loan Fees Purchase: 4.125% APR

  • No Cost Refinance: 4.25% APR

5/1 Year ARM:

  • No-Point Transaction:  4.0% APR

  • No- Loan Fees Purchase: 4.25% APR

  • No Cost Refinance: 4.375% APR

*See Assumption (Residential) Below

Commercial Loan Rates

  • 3/1 Years ARM: 3.00%

  • 5/1 Years ARM: 3.12%

  • 7/1 Years ARM: 3.2%

  • 10/1 Years ARM: 3.3%

  • 15/1 Years ARM: 3.5%
  • 3/1 Years ARM: 3.00%

  • 5/1 Years ARM: 3.12%

  • 7/1 Years ARM: 3.2%

  • 10/1 Years ARM: 3.3%

  • 15/1 Years ARM: 3.5%
  • 3/1 Years ARM: 3.00%

  • 5/1 Years ARM: 3.12%

  • 7/1 Years ARM: 3.2%

  • 10/1 Years ARM: 3.3%

  • 15/1 Years ARM: 3.5%

*See Assumption (Commercial) Below

*Assumptions (Residential)

60% Loan-To-Value, Credit Score 740+, Primary Residence, Single Family Unit.

No-Cost Disclosure: Please be advised that every loan has associated closing costs. No-Cost verbiage refers to all non-recurring closing costs such as escrow, title, appraisal recording, notary, recording, credit report, and flood certificate, fees being credited by the lender to cover theses costs. This usually result in a slightly higher rate, but often due to the long recoup period, is favored by the borrowers. We will gladly  explain and compare the options and let you decide.

No-Lender Fees Loan Disclosure: Generally we price our purchase loans so that the borrowers have all fees associated with their new loan waived / credited. This usually includes any underwriting fees, lender / broker origination fees, Credit report, Flood Certificates, Tax Service fees, and even the appraisal fees. Borrowers will still be responsible for any escrow and title fees. Obtaining a lower rate instead will cause higher closing costs.

*Assumptions (Commercial)

30 Years Amortization, 50% Loan-To-Value, Loan $2,500,000+, Credit Score 740+, DSC 1.30+, Step down Prepay. Loan Fees: 1% plus $2,500. Please call for details and rates on loans with different criteria.

Every loan is unique and we highly recommend that you call us to obtain a custom quote specific to yours.

Please call for details and rates on loans with different criteria.

Rates and Fees are subject to change without notice, until locked. Please contact us directly to obtain a current quote.

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