Today's Current Mortgage Interest Rates are updated as they change.

Get current mortgage interest rates on refinance, home equity and debt consolidation loans. Home purchase loans too. We'll lock in current mortgage interest rates and then float them down!

Fannie Mae Conforming Loan Limits Are As Follows:
1 Family Home - $417,000 2 Units - $533,850 3 Units - $645,300 4 Units - $801,950
Loans over these limits are called JUMBO.

Lock in at current mortgage interest rates to protect yourself against a rise in market rates. Then... if mortgage interest rates decline, you may do a one time re-lock at the lower rate with no lock-in fee! You may float down your mortgage rate and re-lock anytime prior to final lender approval submission at your request! Click for more info.

Get a Detailed Quote On Your Specific Criteria

Subject to change w/o notice.

First Mortgages NO POINTS / STD FEES

Interest Rate

APR

Conforming 30 yr. Fixed	Rates no longer posted	Please call
Conforming 15 yr. Fixed
Jumbo 30 yr. Fixed
Jumbo 15 yr. Fixed
Rentals 30 yr. Fixed
Conf. - 5 yr. FIXED then to 1 yr. ARM
Conf. - 3 yr. FIXED then to 1 yr. ARM
Conforming & Jumbo - 1 yr. OPTION ARM
Jumbo - 5 yr. FIXED then to 1 yr. ARM
Jumbo - 3 yr. FIXED then to 1 yr. ARM
Interest Only Fixed 5 yr. then to ARM
No Cost Loans or LOW ONE FEE offers available on many programs.
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Second mortgages	Interest Rate	APR
125 % Loan to Value
Home Equity Loan - Fixed
Home Equity Line Of Credit		.

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Article on current home mortgage interest rates and the housing market

Please note the following:
Mortgage rates are "par" pricing before any add-ons as may be required for circumstances as directed by Fannie Mae.
*APR is calculated on $100,000 conforming loan amount and $500,000 on jumbo loans. Current mortgage interest rates, points and programs cannot be guaranteed and are subject to change without notice. Rates subject to LTV, credit score, income and other factors. This is not an advertisement for credit as defined by paragraph 226.24 of regulation Z. Maximum Loan amount for a conforming loan is 1 Family Home - $417,000 2 Units - $533,850 3 Units - $645,300 4 Units - $801,950. Jumbo is a loan amount in excess of these amounts. "No Cost" loans are based an loans in excess of $125,000.

Good Faith Estimate & APR is available on your specific loan package. request now .

* We offer many, many more loan programs than we can updated on this web site every day. Also, each program above has several rate options.

* Loan fees (if any) may vary from program to program. Any and all fees are standard and customary. If you would like a written "Good Faith Estimate" on your specific loan requirements please submit our Quick Application at no cost or obligation. It will be e-mailed right away.

About: "No Points / No Fee loans"

The term can be a little misleading though.
Here's the facts about "No Cost" loans.

Certain services are required on ALL mortgage loans. They include but are not limited to title search / insurance services, recording of documents, closing agents, preparation of loan documents, originating / processing the loan file and so on. Of course we must assume that none of these service providers work for free. These fees can be paid by one of 3 methods.

1) Take a market rate and finance the fees into the loan amount on refinances.

2) Pay cash at closing. (Seller may contribute on purchases).

3) Accept a higher rate and eliminate some or all of the fees involved. A "NO COST" loan.

Important to note. By taking a "No Cost" loan you have a higher rate thus a higher payment. There are circumstances where a "no cost" loan is appropriate. If you do plan on keeping the loan for less than a few years on average, the higher interest rate and payment could still save money over the loan fees. If you plan on keeping the home loan for a longer term, a "no cost" loan usually costs MORE over time due to higher payments than if you had just financed in your customary fees at the start at a lower rate.

The bottom line is nothing is free. All the ads you hear on the internet, TV and radio never tell the whole story.

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