15 Yr Fixed Loan Rates And Pricing In This Table Effective:   Wednesday February 22, 2012  - 11 AM 

Current Mortgage Loan Rates - CA Home Purchase or Refinance

 

     Example                                   15 Yr Fixed                Payment           Total Net Closing                          Additional

 Loan Amount                                  Note Rate                   (P&I)             Cost** To Borrower                   Borrower Credit                                          APR

 

  $175,000

3.250

$1,229.67

$3,634.50

 

3.555%

  $175,000

3.375

$1,240.33

$2,481.25

 

3.583%

  $175,000

3.500

$1,251.04

$1,534.50

 

3.628%

  $175,000

3.625

$1,261.81

$939.50

Low Cost

3.704%

       $225,000

3.125

$1,567.37

$3,738.00

 

3.367%

       $225,000

3.250

$1,581.00

$2,833.50

 

3.434%

       $225,000

3.375

$1,594.71

$1,350.75

Low Cost

3.462%

       $225,000

3.500

$1,608.49

$0.00

No Closing Cost

3.500%

  $275,000

3.000

$1,899.10

$4,588.00

 

3.242%

  $275,000

3.125

$1,915.68

$3,642.00

 

3.318%

  $275,000

3.250

$1,932.34

$2,536.50

 

3.384%

  $275,000

3.375

$1,949.09

$724.25

Low Cost

3.413%

        $325,000

3.000

$2,244.39

$4,910.00

 

3.219%

        $325,000

3.125

$2,263.98

$3,792.00

 

3.294%

        $325,000

3.250

$2,283.67

$2,485.50

 

3.361%

        $325,000

3.375

$2,303.47

$343.75

Low Cost

3.390%

  $375,000

3.000

$2,589.68

$4,857.00

 

3.188%

  $375,000

3.125

$2,612.29

$3,567.00

 

3.263%

  $375,000

3.250

$2,635.01

$2,059.50

 

3.330%

  $375,000

3.375

$2,657.85

$0.00

No Closing Cost+ $400 Credit *

3.375%

        $417,000

2.875

$2,854.72

$6,886.89

 

3.114%

        $417,000

3.000

$2,879.73

$4,497.48

 

3.156%

        $417,000

3.125

$2,904.86

$3,063.00

 

3.231%

        $417,000

3.250

$2,930.13

$1,386.66

Low Cost

3.298%

  $450,000

3.125

$3,134.74

$8,707.00

 

3.408%

  $450,000

3.250

$3,162.01

$6,898.00

 

3.474%

  $450,000

3.375

$3,189.42

$3,932.50

 

3.503%

  $450,000

3.500

$3,216.97

$1,498.00

Low Cost

3.549%

         $550,000

3.125

$3,831.35

$8,678.00

 

3.355%

         $550,000

3.250

$3,864.68

$6,467.00

 

3.421%

         $550,000

3.375

$3,898.18

$2,842.50

 

3.450%

         $550,000

3.500

$3,931.85

$0.00

No Closing Cost+ $150 Credit *

3.500%

                                                                                                       

 

Examples shown above are based upon Owner occupied refinance, Single detached residence at 80% Loan To Value (20% Equity), Full Documentation of Income and Assets, and Credit Scores of 740 minimum.
 
 * Excess Borrower Credit Available After $0.00 Net Closing Cost.  This Excess Credit may be applied toward any subject property mortgage interest payment (Accrued per diem interest), or hazard  insurance premium due or owed, at closing.

**Total Net Closing Costs are approximate and include all customary one-time escrow, title, appraisal, recording, notary, broker fees and/or points, and wholesale lender fees and/or points.  Purchase Transactions may incur higher Escrow and/or Title Fees, possible Inspection Fees, and Transfer Tax.  In most cases, closing costs may be added to new loan amount, if desired.  No pre-payment penalties.  We do not charge an upfront Application Fee. Accrued per diem interest and hazard insurance premiums may be an additional cost at close.
 
This communication is provided to you for informational purposes only and should not be relied upon by you. You should contact us directly to learn more about our mortgage products and your eligibility for such products.  Rates and Terms are subject to change.  This is not a commitment to lend.
 
Please Call Us For Custom Rate Quotes (858) 672-2707
 
Realty Success Group is a Real Estate Broker, CA Dept. of Real Estate License No. 01212905.  Nationwide Mortgage Licensing System (NMLS) Registry No. 344813

David Sones, Broker - Realty Success Group
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