Fixed Rate Mortgages (Primary Residence and Second Homes Only)

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Conforming

Loan Amounts: to $802,650

Loan Amounts: to $802,650

30 Year

6.750%

2.000%

7.03%

$648.60

6.875%

1.250%

7.08%

$656.93

7.000%

0.625%

7.15%

$665.30

7.125%

0.000%

7.21%

$673.72

20 Year

6.500%

1.500%

6.80%

$745.57

6.625%

1.000%

6.86%

$752.95

6.750%

0.500%

6.92%

$760.36

6.875%

0.000%

6.98%

$767.81

15 Year

6.000%

2.000%

6.45%

$843.86

6.125%

1.500%

6.50%

$850.62

6.250%

1.000%

6.54%

$857.42

6.500%

0.000%

6.63%

$871.11

10 Year

5.875%

2.000%

6.51%

$1,103.94

6.000%

1.500%

6.53%

$1,110.21

6.125%

1.000%

6.54%

$1,116.49

6.375%

0.000%

6.56%

$1,129.13

*APR = Annual Percentage Rate. Rates shown above are for owner-occupied detached single family home refinance mortgage loans with no cash out that meet the following criteria: Borrower with excellent credit; Loan to Value (LTV) of up to 60%.

Loan to Values greater than 60% and other conditions, including but not limited to, credit score, loan amount, property type, loan type, occupancy type, attached condo, 2-4 unit properties, and "cash-out" refinancing will result in a rate pricing adjustment that will increase the interest rate and/or APR available to you.

A loan's final rate will depend on financial market conditions, specific characteristics of the loan transaction and applicant's credit profile. Loans with LTVs greater than 80% require Private Mortgage Insurance (PMI) which will increase the APR and monthly payment. Estimated payment examples do not include PMI, taxes, or insurance.

^†Lower Rates for Purchases: To save home buyers a little more, a discount of 0.250% will be subtracted from the interest rates shown above for the following purchase loan transaction types (please note pricing adjustments described above may apply):

- 30-Year Fixed Rate Conforming
- 30-Year Fixed Rate High Cost
- 30-Year Fixed Rate Jumbo Level 1, Level 2, and Level 3

Rates accurate as of November 22, 2024 and are subject to change. For more information, please call 800-328-5328.

Conforming No Cost Loans

Loan Amounts: to $802,650

Loan Amounts: to $802,650

10 Year

6.750%

0.000%

6.75%

$1,148.24

Conforming High Cost Area

Loan Amounts from $802,651 to $1,149,825

Loan Amounts from $802,651 to $1,149,825

30 Year

6.625%

2.250%

6.90%

$640.31

6.750%

1.750%

6.97%

$648.60

6.875%

1.250%

7.05%

$656.93

7.125%

0.250%

7.20%

$673.72

15 Year

6.875%

2.625%

7.32%

$891.85

7.000%

2.000%

7.37%

$898.83

7.125%

1.500%

7.41%

$905.83

7.250%

1.000%

7.45%

$912.86

- 30-Year Fixed Rate Conforming
- 30-Year Fixed Rate High Cost
- 30-Year Fixed Rate Jumbo Level 1, Level 2, and Level 3

Rates accurate as of November 22, 2024 and are subject to change. For more information, please call 800-328-5328.

Jumbo - Level 1

Loan Amounts from $1,149,825 to $1.25 Million

Loan Amounts from $1,149,825 to $1.25 Million

30 Year

6.500%

2.000%

6.71%

$632.07

6.625%

1.500%

6.79%

$640.31

6.750%

1.000%

6.86%

$648.60

7.000%

0.000%

7.02%

$665.30

15 Year

6.000%

2.000%

6.34%

$843.86

6.125%

1.500%

6.39%

$850.62

6.250%

1.000%

6.43%

$857.42

6.375%

0.625%

6.50%

$864.25

Jumbo - Level 2

Loan Amounts from $1,250,001 to $1.75 Million

Loan Amounts from $1,250,001 to $1.75 Million

30 Year

6.500%

2.000%

6.71%

$632.07

6.625%

1.500%

6.79%

$640.31

6.750%

1.000%

6.86%

$648.60

7.000%

0.000%

7.01%

$665.30

15 Year

6.000%

2.000%

6.34%

$843.86

6.125%

1.500%

6.39%

$850.62

6.250%

1.000%

6.43%

$857.42

6.375%

0.625%

6.50%

$864.25

Jumbo - Level 3

Loan Amounts from $1,750,001 to $2.25 Million

Loan Amounts from $1,750,001 to $2.25 Million

30 Year

6.500%

2.000%

6.72%

$632.07

6.625%

1.500%

6.79%

$640.31

6.750%

1.000%

6.87%

$648.60

7.000%

0.000%

7.02%

$665.30

15 Year

6.000%

2.125%

6.35%

$843.86

6.125%

1.625%

6.40%

$850.62

6.250%

1.125%

6.45%

$857.42

6.375%

0.750%

6.51%

$864.25

*APR = Annual Percentage Rate.

Jumbo rates shown are for owner-occupied primary or second home single family residences, detached condominiums, planned unit developments (PUDs) and townhomes, on 1st trust deed mortgage loan purchases and refinancing to borrower(s) with a minimum FICO score of 700 and Combined Loan to Value (CLTV) of up to 60%.

- 30-Year Fixed Rate Conforming
- 30-Year Fixed Rate High Cost
- 30-Year Fixed Rate Jumbo Level 1, Level 2, and Level 3

Rates accurate as of November 22, 2024 and are subject to change. For more information, please call 800-328-5328.

Adjustable Rate Mortgages (Primary Residence and Second Homes Only)

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Conforming

Loan Amounts: to $802,650
30 Year term

Loan Amounts: to $802,650
30 Year term

3/6 ARM

5.750%

1.000%

7.22%

$583.57

6.250%

0.000%

7.25%

$615.72

5/6 ARM

5.875%

1.000%

7.02%

$591.54

6.375%

0.000%

7.13%

$623.87

7/6 ARM

6.500%

1.000%

7.15%

$632.07

7.000%

0.000%

7.32%

$665.30

10/6 ARM

6.750%

1.000%

7.18%

$648.60

7.250%

0.000%

7.42%

$682.18

Conforming High Cost Area

Loan Amounts: $802,651 to $1,149,825
30 Year term

Loan Amounts: $802,651 to $1,149,825
30 Year term

3/6 ARM

5.750%

1.000%

7.16%

$583.57

6.250%

0.000%

7.19%

$615.72

5/6 ARM

5.875%

1.000%

6.96%

$591.54

6.375%

0.000%

7.07%

$623.87

7/6 ARM

6.500%

1.000%

7.10%

$632.07

7.000%

0.000%

7.26%

$665.30

10/6 ARM

6.750%

1.000%

7.12%

$648.60

7.250%

0.000%

7.35%

$682.18

Jumbo

Loan Amounts: $1,149,826 to $2.25 Million
30 Year term

Loan Amounts: $1,149,826 to $2.25 Million
30 Year term

3/6 ARM

5.750%

1.000%

7.15%

$583.57

6.250%

0.000%

7.18%

$615.72

5/6 ARM

5.875%

1.000%

6.96%

$591.54

6.375%

0.000%

7.06%

$623.87

7/6 ARM

6.375%

1.000%

7.02%

$623.87

6.875%

0.000%

7.18%

$656.93

10/6 ARM

6.750%

1.000%

7.11%

$648.60

7.250%

0.000%

7.35%

$682.18

APR means Annual Percentage Rate. Rates shown above are available on owner-occupied home purchases and no-cash out refinance mortgage loans at a maximum 70% Loan to Value (LTV). LTVs greater than 70% and other conditions such as cash-out refinancing will result in a rate pricing adjustment that will increase the interest rate and/or APR available to you. ARMs are Adjustable Rate Mortgages and the rate and APR may increase after loan consummation. Loan amounts between $1,500,000.01 and $2,250,000 are subject to an additional .125% charge. The rates shown apply only in certain conditions and depend on several factors/assumptions; a loan's final rate will depend on financial market conditions, specific characteristics of the loan transaction and applicant's credit profile. Loans with LTVs greater than 80% require Private Mortgage Insurance (PMI) which will increase the APR and the monthly payment. The estimated payment examples shown above do not include PMI, taxes, or insurance. All advertised rates are subject to change at any time without prior notice. For more information on these and other mortgage loan programs contact a Real Estate Loan Specialist at (800) 328-5328 and select option 2.

*P&I Payment is subject to change at the 1st and each Interest Rate Adjustment.

Rates accurate as of November 22, 2024 and are subject to change. For more information, please call 800-328-5328.

Super Jumbo

Loan Amounts: $2,250,001 to $3 Million
30 Year term

Loan Amounts: $2,250,001 to $3 Million
30 Year term

3/6 ARM

5.875%

1.625%

7.24%

$591.54

6.000%

1.250%

7.23%

$599.55

6.250%

0.750%

7.25%

$615.72

6.500%

0.250%

7.27%

$632.07

5/6 ARM

6.000%

1.625%

7.06%

$599.55

6.125%

1.250%

7.07%

$607.61

6.375%

0.750%

7.12%

$623.87

6.625%

0.250%

7.18%

$640.31

7/6 ARM

6.500%

1.625%

7.14%

$632.07

6.625%

1.250%

7.17%

$640.31

6.875%

0.750%

7.25%

$656.93

7.125%

0.250%

7.33%

$673.72

10/6 ARM

6.875%

1.625%

7.46%

$656.93

7.000%

1.250%

7.30%

$665.30

7.250%

0.750%

7.41%

$682.18

7.500%

0.250%

7.53%

$699.21

APR means Annual Percentage Rate. Rates shown above are available on owner-occupied home purchases and no-cash out refinance mortgage loans at a maximum 60% Loan to Value (LTV). LTVs greater than 60% and other conditions such as cash-out refinancing will result in a rate pricing adjustment that will increase the interest rate and/or APR available to you. ARMs are Adjustable Rate Mortgages and the rate and APR may increase after loan consummation. The rates shown apply only in certain conditions and depend on several factors/assumptions; a loan's final rate will depend on financial market conditions, specific characteristics of the loan transaction and applicant's credit profile. Loans with LTVs greater than 80% require Private Mortgage Insurance (PMI) which will increase the APR and the monthly payment. The estimated payment examples shown above do not include PMI, taxes, or insurance. All advertised rates are subject to change at any time without prior notice. For more information on these and other mortgage loan programs contact a Real Estate Loan Specialist at (800) 328-5328 and select option 2.

*P&I Payment is subject to change at the 1st and each Interest Rate Adjustment.

Rates accurate as of November 22, 2024 and are subject to change. For more information, please call 800-328-5328.

Smarter Refi (Primary Residence Only)

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Conforming

Loan Amounts $300,000 to $802,650
No closing costs for "no-cash out" refinances
LLPA/point charge for cash-out refinances^†

Loan Amounts $300,000 to $802,650
No closing costs for "no-cash out" refinances
LLPA/point charge for cash-out refinances^†

30 Year

6.500%

2.625%

6.76%

$632.07

6.625%

1.875%

6.81%

$640.31

6.750%

1.000%

6.85%

$648.60

6.875%

0.000%

6.88%

$656.93

15 Year

6.000%

2.000%

6.32%

$843.86

6.125%

1.250%

6.32%

$850.62

6.250%

0.625%

6.35%

$857.42

6.375%

0.000%

6.38%

$864.25

Conforming High Cost Area

Loan Amounts $802,651 to $1,149,825
No closing costs for "no-cash out" refinances
LLPA/point charge for cash-out refinances^†

Loan Amounts $802,651 to $1,149,825
No closing costs for "no-cash out" refinances
LLPA/point charge for cash-out refinances^†

30 Year

7.000%

2.000%

7.20%

$665.30

7.125%

1.250%

7.25%

$673.72

7.250%

0.625%

7.31%

$682.18

7.375%

0.000%

7.38%

$690.68

15 Year

6.875%

1.500%

7.12%

$891.85

7.000%

1.000%

7.16%

$898.83

7.125%

0.500%

7.21%

$905.83

7.250%

0.000%

7.25%

$912.86

*APR = Annual Percentage Rate.

Rates shown above for Smarter Refi Fixed Rate loans apply to owner-occupied primary or second home single family residences, detached condominiums, planned unit developments (PUDs) and townhomes, on 1st trust deed mortgage loan refinancing to borrower(s) with a minimum FICO score of 680 and Combined Loan to Value (CLTV) of up to 60%. Cash-out refinances are permitted with a one-time Loan Level Price Adjustment (LLPA or Points). Property must qualify for Property Inspection Waiver (PIW) and borrower agrees to no appraisal. Subordinate financing is not allowed on non-Logix second trust deeds. CLTVs greater than 60% and other conditions that fall outside of the aforementioned criteria may not be eligible for the Smarter Refi product, including but not limited to, FICO score lower than 680, nonconforming loan amount, property type, loan type, occupancy type, attached condo, 2-4 unit properties, and income derived from self-employment.

^†No Closing Costs applies to Smarter Refinance loans with no-cash out. Borrowers who elect to receive cash out with their loan refinance may do so, subject to a LLPA or Points, which may be financed with the loan, subject to loan to value and other guideline restrictions.

A loan's final rate will depend on financial market conditions, specific characteristics of the loan transaction and applicant's credit profile. Estimated payment examples do not include taxes or insurance.

Rates accurate as of November 22, 2024 and are subject to change. For more information, please call 800-328-5328.