TODAY'S RATES . .. .Top rated mortgage site 12 years in a row!

Check out our NEW Jumbo Conforming programs!  Don't see your program listed here?  Contact us!  For refinances, rates with a "-1.000" mean that there are NO points, NO fees and nothing added to your loan balance. We pay for the whole thing!  All rates shown are for normal purchase and refinance transactions.  Larger down payments or superior credit can get you an even better deal on some programs.  Add 1/8% for no lender fee rates. Before choosing ANY loan officer, read Rate Shopping?.  Rates are guaranteed for 30 days or longer.  We lend in most states!  Rates subject to change without notice.
 

Conforming Loan Programs
These rates are for a maximum loan of $417,000, or, see Jumbo rates

Program

Rates

Points

APR
30 yr fixed conforming 6.250 0.750 6.366
6.375 0.000 6.420
6.625 -1.000 6.574
20 yr fixed conforming 6.250 0.000 6.250
6.625 -1.000 6.499
15 yr fixed conforming 5.750 0.500 5.901
5.875 0.000 5.948
6.125 -1.000 6.042
3/1 ARM
30/5 yr fixed or 5/1 ARM
30/7 yr fixed or 7/1 ARM
10/1 ARM

NEW Jumbo-Conforming Loan Programs!
These rates are for loans over $417,000 and up to $729,750, or, see Conforming rates.

Program

Rates

Points

APR
30 yr fixed jumbo 6.000 2.250 6.237
6.375 0.500 6.446
6.500 0.000 6.523
6.750 -1.000 6.677
20 yr fixed jumbo
15 yr fixed jumbo
3/1 jumbo ARM
5/1 jumbo ARM 6.250 0.000 5.352
7/1 jumbo ARM
10/1 jumbo ARM

Jumbo Interest-Only Loan Programs
These rates are for loans over $417,000, or, see Conforming rates.

Program

Rates

Points

APR
30 yr fixed jumbo Interest-Only
Rate fixed for 30 years; first 10 years interest only. No negative amortization; 6% lifetime cap; assumes excellent credit; http://www.hotloans.com 		6.625 0.500 6.697
6.750 0.000 6.774
6.875 0.000 6.899
7.250 -1.000 7.174
3/1 ARM Interest-Only
Rate fixed for 3 years; no negative amortization; 6% lifetime cap; assumes excellent credit; http://www.hotloans.com 		5.625 0.000 5.189
5/1 ARM Interest-Only
Rate fixed for 5 years; no negative amortization; 6% lifetime cap; assumes excellent credit; http://www.hotloans.com 		5.875 0.000 5.386
6.500 -1.000 5.537
30/7 yr fixed or 7/1 ARM Interest-Only
Rate fixed for 7 years; no negative amortization; 6% lifetime cap; assumes excellent credit; http://www.hotloans.com 		6.250 0.000 5.678
6.750 -1.000 5.844
10/1 ARM Interest-Only
Rate fixed for 10 years; no negative amortization; 6% lifetime cap; assumes excellent credit; http://www.hotloans.com 		6.375 0.750 6.015
6.500 0.375 6.064
6.625 0.000 6.112
7.000 -1.125 6.258


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