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The "MINUS" sign is your Costs Rebate. 
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Current posted rates are in effect as of 11/18/2017 9:17:26 AM Central Time.

 

30yr Fix Purchase $150k - $424,100 - 80% LTV O/O
RatePointsAPRLock Days
3.625%375.000%0.000%30
3.750%-0.375%3.764%30
3.875%-1.125%3.827%30
4.000%-1.750%3.901%30
4.125%-2.375%3.974%30
4.250%-2.875%4.057%30
4.375%-3.375%4.140%30
The APR is calculated using a loan amount of $165,000 and these typical fees.


30yr Fix Purch - $150k-$424,100k 95% O/O
RatePointsAPRLock Days
3.625%0.125%3.679%30
3.750%-0.625%3.743%30
3.875%-1.375%3.807%30
4.000%-2.000%3.881%30
4.125%-2.625%3.954%30
4.250%-3.125%4.037%30
The APR is calculated using a loan amount of $165,000 and these typical fees.


30yr Fix Investor Purch $150k - $424,100 -80% LTV
RatePointsAPRLock Days
4.250%0.500%4.338%30
4.375%0.000%4.421%30
4.500%-0.500%4.504%30
4.625%-1.000%4.586%30
4.750%-1.750%4.647%30
The APR is calculated using a loan amount of $165,000 and these typical fees.


30yr Fix Investor Cashout $150k -$424,100k 75% LTV
RatePointsAPRLock Days
4.125%0.125%4.181%30
4.250%-0.375%4.264%30
4.375%-0.875%4.347%30
4.500%-1.375%4.430%30
4.625%-1.875%4.512%30
4.750%-2.625%4.573%30
The APR is calculated using a loan amount of $165,000 and these typical fees.


20yr Fix Purch - R/T Refi $150k-$424k to 80% O/O
RatePointsAPRLock Days
3.500%0.250%3.590%30
3.625%-0.500%3.630%30
3.750%-1.250%3.670%30
3.875%-2.000%3.710%30
4.000%-2.625%3.764%30
4.125%-3.250%3.818%30
The APR is calculated using a loan amount of $165,000 and these typical fees.


20yr Fix Purch - R/T Refi $150k-$424k to 95% O/O
RatePointsAPRLock Days
3.500%0.000%3.564%30
3.625%-0.750%3.604%30
3.750%-1.500%3.644%30
3.875%-2.250%3.685%30
4.000%-2.875%3.739%30
4.125%-3.500%3.793%30
The APR is calculated using a loan amount of $165,000 and these typical fees.


15yr Fix Purch - $150k-$424,100 to 80% O/O
RatePointsAPRLock Days
2.875%0.625%3.044%30
3.000%0.000%3.078%30
3.125%-0.500%3.131%30
3.250%-1.250%3.148%30
3.375%-1.625%3.219%30
3.500%-2.000%3.290%30
3.625%-2.500%3.343%30
3.750%-2.875%3.414%30
3.875%-3.250%3.484%30
The APR is calculated using a loan amount of $165,000 and these typical fees.


15yr Fix Purch - $150k-$424,100 to 95% O/O
RatePointsAPRLock Days
2.875%0.625%3.044%30
3.000%0.000%3.078%30
3.125%-0.500%3.131%30
3.250%-1.250%3.148%30
3.375%-1.625%3.219%30
3.500%-2.000%3.290%30
3.625%-2.500%3.343%30
3.750%-2.875%3.414%30
3.875%-3.250%3.484%30
The APR is calculated using a loan amount of $165,000 and these typical fees.


10r Fix Purch - $150k-$424,100 to 95% O/O
RatePointsAPRLock Days
2.875%0.375%3.068%30
3.000%-0.250%3.061%30
3.125%-0.750%3.082%30
3.250%-1.250%3.102%30
3.375%-1.625%3.149%30
3.500%-2.000%3.195%30
3.625%-2.500%3.216%30
3.750%-2.875%3.263%30
3.875%-3.250%3.310%30
The APR is calculated using a loan amount of $165,000 and these typical fees.


A minus sign "-" is a percent of your loan amount REBATED to your closing costs. We simply offer you more.

It is applied towards your closing costs. For example, if you are applying for a $200,000 loan amount and the net points shown are 1.00% then you would be expected to pay $2,000 (1.00% of the loan) at closing or out of your existing equity if a refinance. On the other hand, if on the same loan amount net points shown are shown as -1.00% then you would receive $2,000 credit/rebate against your loan costs, up to the amount of actual costs and prepaids. Sometimes you may prefer a higher rate to help with the closing costs on the loan, or you may prefer the lowest rate and handle the costs out of pocket or your available equity. Select the option that best suits your need or call us now and we will be happy to advise you.

Rate locks do not guarantee loan approval.

Transaction variables can impact mortgage pricing such as daily market fluctuations, price adjusters that apply such as the number of days you lock a rate, your actual loan-to-value (ltv), your credit score, property type (investor, condo, etc.), purchase vs. refinance, cash out or not, escrow waivers, loan size and so on.

Rates are never one-size fits all anywhere and all rates are subject to change until locked for the period of the rate lock, so please request our custom quote today.

Conventional loan Annual Percentage Rate (APR) quotes above are based on example 80% financing or less. PMI (private mortgage insurance) will effect your final APR based on the LTV you request above 80% financing, so please call for PMI quotes that are available to 95% LTV. Mortgage Insurance or MI will apply on FHA loans if offered and impact the APR's shown. We will always custom quote you based on your specific requirements. All quotes based on 740+ credit scores. Many other rate quotes available down to a 620 score.