Mortgage Rates

Lisa McCormick, Loan Consultant 503-763-2128 email lisa

30 Year Fixed: No Prepayment Penalty Loan Size - $300,000 to $359,650 Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
5.000%	2.250	$2,600	$299	Call
5.125%	1.625	$2,600	$299	Call
5.250%	1.000	$2,600	$299	Call
5.375%	0.000	$2,600	$299	Call
5.500%	0.000	$1,500	$299	Call
5.625%	0.000	$0	$299	Call
1. On a Cashout Refi w/ LTV 70.01% - 80.00%, add 0.500 Point 2. On a Cashout Refi w/ LTV 80.01% - 90.00%, add 0.750 Point
30 Year Fixed: No Prepayment Penalty Loan Size - $250,000 to $299,950 Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
5.000%	2.250	$2,500	$299	Call
5.125%	1.625	$2,500	$299	Call
5.250%	1.000	$2,500	$299	Call
5.375%	0.000	$2,500	$299	Call
5.500%	0.000	$1,600	$299	Call
5.625%	0.000	$400	$299	Call
1. On a Cashout Refi w/ LTV 70.01% - 80.00%, add 0.500 Point 2. On a Cashout Refi w/ LTV 80.01% - 90.00%, add 0.750 Point
30 Year Fixed: No Prepayment Penalty Loan Size - $210,000 to $249,950 Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
5.000%	2.250	$2,400	$299	Call
5.125%	1.625	$2,400	$299	Call
5.250%	1.000	$2,400	$299	Call
5.375%	0.000	$2,400	$299	Call
5.500%	0.000	$1,600	$299	Call
5.625%	0.000	$600	$299	Call
1. On a Cashout Refi w/ LTV 70.01% - 80.00%, add 0.500 Point 2. On a Cashout Refi w/ LTV 80.01% - 90.00%, add 0.750 Point
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30 Year Fixed: No Prepayment Penalty Loan Size - $150,000 to $209,950 Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
5.000%	2.500	$2,300	$299	5.339%
5.125%	1.875	$2,300	$299	5.408%
5.250%	1.250	$2,300	$299	5.444%
5.375%	0.000	$2,300	$299	5.488%
5.500%	0.000	$2,100	$299	Call
5.625%	0.000	$1,400	$299	Call
5.750%	0.000	$400	$299	Call
1. On a Cashout Refi w/ LTV 70.01% - 80.00%, add 0.500 Point 2. On a Cashout Refi w/ LTV 80.01% - 90.00%, add 0.750 Point
30 Year Fixed: No Prepayment Penalty Loan Size - $100,000 to $149,950 Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
5.000%	2.500	$2,200	$299	5.339%
5.125%	1.875	$2,200	$299	5.408%
5.250%	1.250	$2,200	$299	5.477%
5.375%	0.000	$2,200	$299	5.488%
5.500%	0.000	$2,100	$299	Call
5.625%	0.000	$1,600	$299	Call
5.750%	0.000	$1,000	$299	Call
5.875%	0.000	$200	$299	Call
1. On a Cashout Refi w/ LTV 70.01% - 80.00%, add 0.500 Point 2. On a Cashout Refi w/ LTV 80.01% - 90.00%, add 0.750 Point
30 Year Fixed: No Prepayment Penalty Loan Size - $60,000 to $99,950 Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
5.000%	2.500	$2,100	$299	Call
5.125%	1.875	$2,100	$299	Call
5.250%	1.250	$2,100	$299	Call
5.375%	0.000	$2,100	$299	Call
1. On a Cashout Refi w/ LTV 70.01% - 80.00%, add 0.500 Point 2. On a Cashout Refi w/ LTV 80.01% - 90.00%, add 0.750 Point
30 Year Fixed: No Prepayment Penalty Loan Size - $40,000 to $59,950 Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
5.000%	2.500	$2,000	$299	Call
5.125%	1.875	$2,000	$299	Call
5.250%	1.250	$2,000	$299	Call
5.375%	0.000	$2,000	$299	Call
1. On a Cashout Refi w/ LTV 70.01% - 80.00%, add 0.500 Point 2. On a Cashout Refi w/ LTV 80.01% - 90.00%, add 0.750 Point
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20 Year Fixed: No Prepayment Penalty Loan Size - $300,000 to $359,650 Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
5.000%	1.750	$2,600	$299	Call
5.125%	1.125	$2,600	$299	Call
5.250%	0.500	$2,600	$299	Call
5.375%	0.000	$1,600	$299	Call
1. On a Cashout Refi w/ LTV 70.01% - 80.00%, add 0.500 Point 2. On a Cashout Refi w/ LTV 80.01% - 90.00%, add 0.750 Point
20 Year Fixed: No Prepayment Penalty Loan Size - $250,000 to $299,950 Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
5.000%	1.750	$2,500	$299	Call
5.125%	1.125	$2,500	$299	Call
5.250%	0.500	$2,500	$299	Call
5.375%	0.000	$1,700	$299	Call
1. On a Cashout Refi w/ LTV 70.01% - 80.00%, add 0.500 Point 2. On a Cashout Refi w/ LTV 80.01% - 90.00%, add 0.750 Point
20 Year Fixed: No Prepayment Penalty Loan Size - $210,000 to $249,950 Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
5.000%	1.750	$2,400	$299	Call
5.125%	1.125	$2,400	$299	Call
5.250%	0.500	$2,400	$299	Call
5.375%	0.000	$1,700	$299	Call
1. On a Cashout Refi w/ LTV 70.01% - 80.00%, add 0.500 Point 2. On a Cashout Refi w/ LTV 80.01% - 90.00%, add 0.750 Point
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20 Year Fixed: No Prepayment Penalty Loan Size - $150,000 to $209,950 Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
5.000%	2.000	$2,300	$299	5.398%
5.125%	1.375	$2,300	$299	5.446%
5.250%	0.750	$2,300	$299	5.495%
5.375%	0.000	$2,200	$299	5.528%
1. On a Cashout Refi w/ LTV 70.01% - 80.00%, add 0.500 Point 2. On a Cashout Refi w/ LTV 80.01% - 90.00%, add 0.750 Point
20 Year Fixed: No Prepayment Penalty Loan Size - $100,000 to $149,950 Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
5.000%	2.000	$2,200	$299	5.398%
5.125%	1.375	$2,200	$299	5.446%
5.250%	0.750	$2,200	$299	5.495%
5.375%	0.000	$2,200	$299	5.528%
1. On a Cashout Refi w/ LTV 70.01% - 80.00%, add 0.500 Point 2. On a Cashout Refi w/ LTV 80.01% - 90.00%, add 0.750 Point
20 Year Fixed: No Prepayment Penalty Loan Size - $60,000 to $99,950 Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
5.000%	2.000	$2,100	$299	Call
5.125%	1.375	$2,100	$299	Call
5.250%	0.750	$2,100	$299	Call
5.375%	0.000	$2,100	$299	Call
1. On a Cashout Refi w/ LTV 70.01% - 80.00%, add 0.500 Point 2. On a Cashout Refi w/ LTV 80.01% - 90.00%, add 0.750 Point
20 Year Fixed: No Prepayment Penalty Loan Size - $40,000 to $59,950 Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
5.000%	2.000	$2,000	$299	Call
5.125%	1.375	$2,000	$299	Call
5.250%	0.750	$2,000	$299	Call
5.375%	0.000	$2,000	$299	Call
1. On a Cashout Refi w/ LTV 70.01% - 80.00%, add 0.500 Point 2. On a Cashout Refi w/ LTV 80.01% - 90.00%, add 0.750 Point
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15 Year Fixed: No Prepayment Penalty Loan Size - $300,000 to $359,650 Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
4.375%	1.750	$2,600	$299	Call
4.500%	1.250	$2,600	$299	Call
4.625%	0.750	$2,600	$299	Call
4.750%	0.000	$2,600	$299	Call
4.875%	0.000	$1,700	$299	Call
5.000%	0.000	$400	$299	Call
1. On a Cashout Refi w/ LTV 70.01% - 80.00%, add 0.500 Point 2. On a Cashout Refi w/ LTV 80.01% - 90.00%, add 0.750 Point
15 Year Fixed: No Prepayment Penalty Loan Size - $250,000 to $299,950 Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
4.375%	1.750	$2,500	$299	Call
4.500%	1.250	$2,500	$299	Call
4.625%	0.750	$2,500	$299	Call
4.750%	0.000	$2,500	$299	Call
4.875%	0.000	$1,700	$299	Call
5.000%	0.000	$600	$299	Call
1. On a Cashout Refi w/ LTV 70.01% - 80.00%, add 0.500 Point 2. On a Cashout Refi w/ LTV 80.01% - 90.00%, add 0.750 Point
15 Year Fixed: No Prepayment Penalty Loan Size - $210,000 to $249,950 Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
4.375%	1.750	$2,400	$299	Call
4.500%	1.250	$2,400	$299	Call
4.625%	0.750	$2,400	$299	Call
4.750%	0.000	$2,400	$299	Call
4.875%	0.000	$1,800	$299	Call
5.000%	0.000	$800	$299	Call
5.125%	0.000	$0	$299	Call
1. On a Cashout Refi w/ LTV 70.01% - 80.00%, add 0.500 Point 2. On a Cashout Refi w/ LTV 80.01% - 90.00%, add 0.750 Point
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15 Year Fixed: No Prepayment Penalty Loan Size - $150,000 to $209,950 Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
4.375%	2.000	$2,300	$299	4.871%
4.500%	1.500	$2,300	$299	4.920%
4.625%	1.000	$2,300	$299	4.968%
4.750%	0.000	$2,300	$299	4.940%
4.875%	0.000	$2,200	$299	Call
5.000%	0.000	$1,600	$299	Call
5.125%	0.000	$900	$299	Call
5.250%	0.000	$300	$299	Call
1. On a Cashout Refi w/ LTV 70.01% - 80.00%, add 0.500 Point 2. On a Cashout Refi w/ LTV 80.01% - 90.00%, add 0.750 Point
15 Year Fixed: No Prepayment Penalty Loan Size - $100,000 to $149,950 Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
4.375%	2.000	$2,200	$299	4.871%
4.500%	1.500	$2,200	$299	4.920%
4.625%	1.000	$2,200	$299	4.968%
4.750%	0.000	$2,200	$299	4.940%
4.875%	0.000	$2,100	$299	Call
5.000%	0.000	$1,700	$299	Call
5.125%	0.000	$1,300	$299	Call
5.250%	0.000	$900	$299	Call
5.375%	0.000	$300	$299	Call
1. On a Cashout Refi w/ LTV 70.01% - 80.00%, add 0.500 Point 2. On a Cashout Refi w/ LTV 80.01% - 90.00%, add 0.750 Point
15 Year Fixed: No Prepayment Penalty Loan Size - $60,000 to $99,950 Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
4.375%	2.000	$2,100	$299	Call
4.500%	1.500	$2,100	$299	Call
4.625%	1.000	$2,100	$299	Call
4.750%	0.000	$2,100	$299	Call
1. On a Cashout Refi w/ LTV 70.01% - 80.00%, add 0.500 Point 2. On a Cashout Refi w/ LTV 80.01% - 90.00%, add 0.750 Point
15 Year Fixed: No Prepayment Penalty Loan Size - $40,000 to $59,950 Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
4.375%	2.000	$2,000	$299	Call
4.500%	1.500	$2,000	$299	Call
4.625%	1.000	$2,000	$299	Call
4.750%	0.000	$2,000	$299	Call
1. On a Cashout Refi w/ LTV 70.01% - 80.00%, add 0.500 Point 2. On a Cashout Refi w/ LTV 80.01% - 90.00%, add 0.750 Point
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30 Year Jumbo Fixed: No Prepayment Penalty Credit Score>=720 - Loan Size $359,700 to $650,000 - 30 Day Prices 70% Loan to Value Ratio or Less - No Escrow Waiver - No Cash Out Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
5.250%	2.250	$3,100	$349	5.512%
5.375%	1.625	$3,100	$349	5.581%
5.500%	1.000	$3,100	$349	5.649%
5.625%	0.000	$3,100	$349	5.682%
5.750%	0.000	$2,000	$349	Call
5.875%	0.000	$100	$349	Call
1. On a Cashout Refinance, add 0.250 Point to the Points Column 2. For an Escrow Waiver, add 0.200 Point to the Points Column 3. If the LTV Ratio is between 90.01% - 95.00%, add 0.500 Point
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15 Year Jumbo Fixed: No Prepayment Penalty Credit Score>=720 - Loan Size $359,700 to $650,000 - 30 Day Prices 70% Loan to Value Ratio or Less - No Escrow Waiver - No Cash Out Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
4.625%	2.125	$3,100	$349	5.046%
4.750%	1.500	$3,100	$349	5.075%
4.875%	1.000	$3,100	$349	5.124%
5.000%	0.000	$3,100	$349	Call
5.125%	0.000	$3,000	$349	Call
5.250%	0.000	$1,200	$349	Call
5.375%	0.000	$0	$349	Call
1. On a Cashout Refinance, add 0.250 Point to the Points Column 2. For an Escrow Waiver, add 0.200 Point to the Points Column 3. If the LTV Ratio is between 90.01% - 95.00%, add 0.500 Point
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1-1 Year LIBOR ARM Loan Size $50,000 to $359,650 - 30 Day Prices Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
3.000%	0.000	$2,400	$299	5.142%
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3-1 Year LIBOR ARM Loan Size $50,000 to $359,650 - 30 Day Prices Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
4.000%	0.000	$2,400	$299	5.068%
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5-1 Year LIBOR ARM Loan Size $50,000 to $359,650 - 30 Day Prices Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
4.500%	0.000	$2,400	$299	5.078%
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7-1 Year LIBOR ARM Loan Size $50,000 to $359,650 - 30 Day Prices Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
4.750%	0.000	$2,400	$299	5.100%
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5-1 Year Interest Only ARM Loan Size $50,000 to $359,650 - 30 Day Prices Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
4.625%	0.000	Call	$299	Call
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3 Year Jumbo LIBOR ARM Loan Size $359,700 to $650,000 - 30 Day Prices Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
4.250%	0.000	$3,100	$349	5.290%

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5 Year Jumbo LIBOR ARM Loan Size $359,700 to $650,000 - 30 Day Prices Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Rate:	Points:	Closing Costs:	Appraisal & Credit Report Fee:	APR:
4.625%	0.000	$3,100	$349	5.265%

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30 Year Fixed & 15 Year Equity Line (HELOC) Loan Size - $105,000 to $609,650 Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Program:			Rate:	APR:
30 Year Fixed up to $359,650			5.375%	5.488%
15 Year Equity Line up to $250,000			6.250% (Prime + 1%)	Call
Max. Total Loan Amount: $609,650
Call for details on the above program.

Ask For Details About Our Piggy Back Combo - For Jumbo Loan Transactions Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Loan Number 1 (First Mortgage):			Rate:	APR:
30 Year Fixed up to $359,650			5.375%	5.488%
Loan Number 2 (Second Mortgage):			Rate:	APR:
5/1 Standard LIBOR ARM			4.875%	Call
1. On a Cashout Refi, add 0.500 Point to the Points Column 2. For an Escrow Waiver, add 0.250 Point to the Points Column 3. Closing Cost Estimate - $2,600 First Mortgage - $900 Second Mortgage
Call for details on the above program.

100% FINANCING - Available On Loan Purchases - No PMI Minimum 700 FICO Required - Borrow Up To $359,650 Title Insurance Costs are included in Closing Costs. Closing Costs guaranteed based on our program.
Loan Number 1 (First Mortgage):			Rate:	APR:
80% LTV: 30 Year Conforming Fixed			6.000%	Call
Loan Number 2 ( H.E.L.O.C.):			Rate:	APR:
20% LTV: 15 Year Home Equity Line			8.250% (Prime + 3%)	Call
Call for details on the above program.

Market conditions are volatile, and the rates indicated on this site are
subject to change at any time.

Mortgage Rates

Craig Lucas