Home Loan Rates
APR: Annual Percentage Rate. All loans subject to credit approval. Rates subject to change without notice. NMLS 774623.
First Mortgages
Name | Rate | APR* | Discount Points | Margin | Percentage Caps† | CMT Index | Initial Payment Per $1,000 Financed | Maximum Payment Per $1,000 Financed‡ |
---|---|---|---|---|---|---|---|---|
3/1 ARM | 5.625% | 6.27% | 0.00% | 2.50% | 2/2/6 | 3.975% | $5.76 | $6.40 |
5/1 ARM | 5.75% | 6.21% | 0.00% | 2.50% | 2/2/6 | 3.975% | $5.84 | $6.40 |
7/1 ARM | 6.125% | 6.33% | 0.00% | 2.50% | 2/2/6 | 3.975% | $6.08 | $6.65 |
* APR = Annual Percentage Rate. All loans subject to credit approval. Rates subject to change without notice. NMLS 774623. † Percentage Caps:
‡ ARM the maximum payment on an ARM if the rate reaches the maximum 18% allowable by law. The estimated monthly payment per $1,000 borrowed based on current market conditions is listed above. The interest on this mortgage can change, including increase, after consummation. Your actual payments will be based on market conditions at the time of interest rate changes per the terms of your loan agreement. These payments are based on a $300,000 loan on a $500,000 property in Los Angeles County, CA. If an escrow account is required or requested, your actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. The values shown assume the loan is for the purchase of a single family residence that will be used as a primary residence and that the applicant has a credit score of 740 or higher. |
Name | Rate | APR* | Discount Points | Margin | Percentage Caps† | CMT Index | Initial Payment Per $1,000 Financed | Maximum Payment Per $1,000 Financed‡ |
---|---|---|---|---|---|---|---|---|
Jumbo 3/1 ARM | 5.63% | 6.21% | 0.00% | 2.50% | 2/2/6 | 3.975% | $5.76 | $6.40 |
Jumbo 5/1 ARM | 5.75% | 6.15% | 0.00% | 2.50% | 2/2/6 | 3.975% | $5.84 | $6.40 |
Jumbo 7/1 ARM | 6.13% | 6.27% | 0.00% | 2.50% | 2/2/6 | 3.975% | $6.08 | $6.65 |
* APR = Annual Percentage Rate. All loans subject to credit approval. Rates subject to change without notice. NMLS 774623. † Percentage Caps:
‡ ARM the maximum payment on an ARM if the rate reaches the maximum 18% allowable by law. The estimated monthly payment per $1,000 borrowed based on current market conditions is listed above. The interest on this mortgage can change, including increase, after consummation. Your actual payments will be based on market conditions at the time of interest rate changes per the terms of your loan agreement. These payments are based on a $1,200,000 loan on a $2,000,000 property in Los Angeles County, CA. If an escrow account is required or requested, your actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. The values shown assume the loan is for the purchase of a single family residence that will be used as a primary residence and that the applicant has a credit score of 740 or higher. |
Name | APR | Note |
---|---|---|
HELOC Variable APR* as low as | 7.50% | Choose payment options of either interest only or principal and interest.** |
HELOC Fixed APR as low as | 8.50% | May elect the Fixed Rate on up to 60% of the approved HELOC limit. Minimum draw $10,000 per disbursement and up to 3 separate disbursements (no add-ons). Fixed rate cannot exceed maturity of the HELOC. |
*Interest rate is variable and may change after loan funding. **While making interest only payments, your principal is not reduced. Principal reductions only occur if you pay more than the amount due. At the end of the interest-only period, your monthly payment will increase, and the increase may be substantial. You will be required to pay the principal plus interest after the interest-only period. |
Name | Loan Rate | Loan APR | Example Loan Amount | Monthly Payment Example | Discount Points |
---|---|---|---|---|---|
15 yr. Fixed | 8.740% | 8.740% | $50,000 | $499 | 0 |
15 yr. Fixed | 8.740% | 8.740% | $100,000 | $999 | 0 |
15 yr. Fixed | 8.740% | 8.740% | $250,000 | $2,497 | 0 |
20 yr. Fixed | 8.865% | 8.865% | $50,000 | $446 | 0 |
20 yr. Fixed | 8.865% | 8.865% | $100,000 | $891 | 0 |
20 yr. Fixed | 8.865% | 8.865% | $250,000 | $2,228 | 0 |
Pricing based on a 740+ FICO score and up to 60% Loan-to-Value (LTV) ratio. |
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