On our website, we have multiple pages with mortgage rate tables that include interest rates and APR for various loan scenarios.  Below are the loan assumptions our rates and APR.

Purchase Rates and APR:

  • Conventional 30, 20, and 15-year fixed rates are based on a $1,008,125 sales price, 20% down ($201,625), $806,500 loan amount (low balance conforming loan limit), purchase loan, 780+ credit score, single-family home, primary residence, 30-day rate lock.
  • FHA rates above are based on a $836,000 sales price (purchase loan), ~3.5% down ($29,500), $806,500 base loan amount, 1.75% upfront mortgage insurance premium (1.75% of the loan amount) is financed in the loan giving you a total loan amount of $820,613, 680 credit score, single-family home, primary residence, 30-day rate lock.
  • VA rates above are based on a $806,500 sales price, 0% down, $806,500 base loan amount, 2.15% upfront fee to VA financed in total loan amount ($823,839), 660 credit, purchase loan, primary residence, 30 day rate lock.
  • Jumbo rates are based on a $2,000,000 purchase price, 20% down ($400,000), $1,600,000 loan amount, 800+ credit score, debt to income ratio under 40%, single-family home, primary residence and a 30 day rate lock.  Points are the net figure after accounting for any applicable lender credit and our origination charge.
  • Title, escrow, recording and prepaid property taxes, homeowner’s insurance, and interest are not included in the APR calculation.
  • Our fee is already included in the options shown on our website, and we do not charge any loan processing fees.
  • Rates are subject to change without notice.
  • A completed application, credit report, and fully executed purchase contract are required before locking a rate.
  • Not all borrowers will qualify for the rates quoted on our website.

Refinance Rates and APR:

  • Conventional, 30, 20 and 15-year fixed refinance rates are based on a $806,500 loan amount, 25% equity (75% loan-to-value), rate and term refinance (limited cashout), primary residence, single family home, 780 credit score and a 30 day rate lock.
  • Jumbo refinance rates are based on a $1,500,000 loan amount, $2,000,000 appraised value, at least 25% equity (75% loan-to-value), debt to income ratio under 40%, rate and term refinance (limited cashout), primary residence, single-family home, 800+ credit score, and a 30-day rate lock.  Points are the net figure after accounting for any applicable lender credit and our origination fee.
  • FHA refinance rates are based on a $806,500 base loan amount, streamline refinance, rate and term refinance (limited cashout), 680 credit score, primary residence, single family home, 30 day rate lock.  FHA upfront mortgage insurance premium (UFMIP) and monthly mortgage insurance premium (MIP) is included in the APR calculation.
  • VA refinance rates are based on a $806,500 base loan amount, VA interest rate reduction refinance loan (IRRRL), $806,500 base loan amount, 680 credit score, primary residence, single family home, and a 30-day rate lock.  VA funding fee of .5% is included in the APR.
  • Property taxes, interest, and homeowners’ insurance that may be due through closing are not included in the loan fees or APR calculation.
  • Our fee is already included in the options shown on our website, and we do not charge loan processing fees.
  • Rates are subject to change without notice.
  • A completed application and credit report are required before locking a rate.
  • Not all borrowers will qualify for rates quoted on our website.