We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
All rates and points are subject to change without notice. No rate is guaranteed until there is a valid rate lock.
Rates displayed are for a 45-day rate lock period. Additional rate lock periods are available.
Payments shown do not include taxes or insurance. Actual payments may be greater.
Maximum loan amount of $417,000. 2
Maximum loan amount of $2,000,000. 3
APR = Annual Percentage Rate. 4
Payment based on $100,000 loan amount. 5
Payment based on $500,000 loan amount. 6
LTV up to 70%. 7
LTV up to 80%. 8
LTV up to 85%. 9
LTV up to 97%. 10
SAFE Alternative allows 24 months seasoning for a short sale, foreclosure, or bankruptcy discharge. 11
Additional terms are available.
ARM rates are variable, may increase or decrease during the life of the loan, and indexed to the One Year LIBOR rate with a margin of 2.25%. ARM loans are amortized over a 30-year term. 5/1 ARMs are fixed for the first 5 years, subject to change annually thereafter, and have the following interest rate adjustment caps: 2% maximum initial adjustment, 2% maximum on adjustments thereafter, and 5% lifetime interest rate cap. 7/1 ARMs are fixed for the first 7 years, subject to change annually thereafter, and have the following interest rate adjustment caps: 5% maximum initial adjustment, 2% maximum on adjustments thereafter, and 5% lifetime interest rate cap.
Rates shown are for informational purposes only and are based on a single-family detached, owner-occupied property located in California with a qualified borrower. Not all borrowers will qualify. Certain rate and/or point adjustments may apply depending on loan features and borrower's credit. Maximum loan-to-value (LTV) will vary by product. Additional restrictions and conditions may apply.