Rates
| LOC Mortgage Programs | |||
| Effective Date: Monday, December 5th, 2022 | |||
| Rate | APR | Points | Payment Example |
3/3 ARM - 15 Year | |||
| 4.000% | 5.855% | 1.000pts | $1,387.00 |
| 4.250% | 5.875% | 0.500pts | $1,411.00 |
| 4.500% | 5.901% | 0.000pts | $1,434.00 |
3/3 ARM - 30 Year | |||
| 4.125% | 6.480% | 1.000pts | $909.00 |
| 4.375% | 6.270% | 0.500pts | $936.00 |
| 4.625% | 6.286% | 0.000pts | $964.00 |
5/5 ARM - 15 Year | |||
| 4.250% | 5.388% | 1.000pts | $1,411.00 |
| 4.500% | 5.460% | 0.500pts | $1,434.00 |
| 4.750% | 5.532% | 0.000pts | $1,458.00 |
5/5 ARM - 30 Year | |||
| 4.375% | 5.847% | 1.000pts | $936.00 |
| 4.625% | 5.896% | 0.500pts | $964.00 |
| 4.875% | 5.946% | 0.000pts | $992.00 |
7/1 ARM - 15 Year | |||
| 4.500% | 5.467% | 1.000pts | $1,434.00 |
| 4.750% | 5.577% | 0.500pts | $1,458.00 |
| 5.000% | 5.687% | 0.000pts | $1,483.00 |
7/1 ARM - 30 Year | |||
| 4.625% | 6.074% | 1.000pts | $1,028.00 |
| 4.875% | 6.224% | 0.500pts | $1,058.00 |
| 5.125% | 6.301% | 0.000pts | $1,089.00 |
15 Year Fixed | |||
| 5.875% | 6.107% | 0.625pts | $1,570.00 |
| 6.000% | 6.213% | 0.375pts | $1,582.00 |
| 6.125% | 6.259% | 0.000pts | $1,595.00 |
30 Year Fixed | |||
| 6.000% | 6.037% | 0.88% | $1,199.00 |
| 6.125% | 6.127% | 0.63% | $1,215.00 |
| 6.250% | 6.229% | 0.25% | $1,231.00 |
All payment examples are based on a sample purchase transaction of $250,000 with 25% down and a FICO score of 740 or greater for a single family residence. | |||