For No Closing Cost loans, add .25% to the interest rate.

Mortgage rates are subject to change daily. Maximum Conforming loan amounts are as follows: $417,000 one-family, $533,850 two-family, $645,300 three-family, and $801,950 four-family.

Primary Residence and Second Home Mortgages (CONFORMING):

Fixed Rate: 10,15, 20, 30 Year Terms
Purchase - 95% LTV (1 family), 90% (2 family),and second home (single family), 80% (3-4 family)
Refinance - 90% LTV (1-2 family), and second home, 75% (3-4) Family, cash out

1 Year Adjustable Rate (ARM): 15 & 30 Year Terms
Purchase - 90% LTV (1-2 family) and second home(single family), 80% (3-4 family)
Refinance - 90% LTV (1-2 family) and second home, 80% (3-4 family), No Cash Out; 90% (1-2 family) and second home, 75% (3-4) Family, Cash Out

Annual Rate Cap 2.00%, Lifetime 6.00%, 1 Year Treasury +2.75% Margin, minimum interest rate is 2.75%.

3/1 Adjustable Rate (ARM): 15 & 30 Year Terms
Purchase - 90% LTV (1-2 family) and second home(single family), 80% (3-4 family)
Refinance - 90% LTV (1-2 family) and second home, 80% (3-4 family), No Cash Out; 90% (1-2 family) and second home, 75% (3-4) Family, Cash Out

Annual Rate Cap 2.00%, Lifetime 6.00%, 1 Year Treasury + 2.75% Margin, minimum interest rate is 2.75%.

5/1 Adjustable Rate (ARM): 15 & 30 Year Terms
Purchase - 95% LTV (1-2 family) and second home (single family) 80% (3-4 family)
Refinance - 90% LTV (1-2 family) and second family, 80% (3-4 family) , No Cash Out; 90% (1-2 family) and second home, 75% (3-4) Family, Cash Out

Annual Rate Cap 2.00%, Lifetime 5.00%, 1 Year Treasury + 2.75% Margin, minimum interest rate is 2.75%.

7/1 Adjustable Rate (ARM): 15 & 30 Year Terms
Purchase - 95% LTV (1-2 family) and second home (single family), 80% (3-4 family)
Refinance - 90% LTV (1-2 family) and second family, 80% (3-4 family) , No Cash Out; 90% (1-2 family) and second home, 75% (3-4) Family, Cash Out

First interest rate change Cap 5.00%, annual cap thereafter 2.00%, Lifetime 5.00%, 1 Year Treasury + 2.75% Margin, minimum interest rate is 2.75%.

10/1 Adjustable Rate (ARM): 15 & 30-Year Terms
Purchase – 95% LTV (1-2) family and second home (single family), 80% (3-4) family.
Refinance – 90% LTV (1-2) family and second home, 80% (3-4) family, No Cash Out, 90% (1-2) family and second home, Cash Out.

First interest rate change cap 5.00%, annual cap thereafter 2.00%, lifetime 5.00%. 1 year treasury + 2.75% Margin, minimum interest rate is 2.75%.

VA Loans (CONFORMING up to $417,000):
Fixed Rate: VA Loans, Primary Residence (1-4 family) Purchased maximum LTV: 100% primary residence Refinance maximum LTV: 90% cash out: 100% no cash out Subject to Eligibility Certificate; VA funding fee; co-borrower must be spouse and/or veteran

First-Time Home Buyer Programs - Primary Residence Mortgages (CONFORMING)
Fixed Rate: 30 Year Term Only
Purchase only - 100% LTV (single family)

Investment Property Mortgages (CONFORMING to $417,000)
Maximum Conforming loan amounts are as follows: $417,000 (1 family), $533,850 (2 family), $645,300 (3 family), $801,950 (4 family).

Fixed Rate: 10 Year Term
Purchase & Refinance - 90% LTV (1-2 family), 75% (3-4) Family No Cash Out; 85% (1-2) family, 70% (3-4) family, Cash Out

7 Year Balloon 30 Year Amortization
Purchase & Refinance - 90% LTV (1-2 family), 75% (3-4) Family No Cash Out; 85% (1-2) family, 70% (3-4) family, Cash Out

Primary Residence and Second Home Mortgages (NON-CONFORMING)

Fixed Rate: 15 & 30 Year Terms
Purchase & Refinance - 90% LTV to $475,000 loan amount, 85% to $575.000. 80% to $675,000, 75% $675,001+, (1-2) family, No Cash Out; 75% (1-2) family, Cash Out

1 Year Adjustable Rate (ARM): 15 & 30 Year Terms
Purchase & Refinance - 90% LTV to $475,000 loan amount, 85% to $575.000. 80% to $675,000, 75% $675,001+, (1-2) family, No Cash Out; 75% (1-2) family, Cash Out

Annual Rate Cap 2.00%, Lifetime 6.00%, 1 Year Treasury + 3.25% Margin, minimum interest rate is 3.25%.

3/1 Adjustable Rate (ARM): 15 & 30 Year Terms
Purchase & Refinance - 90% LTV to $475,000 loan amount, 85% to $575.000. 80% to $675,000, 75% $675,001+, (1-2) family, No Cash Out; 75% (1-2) family, Cash Out

Annual Rate Cap 2.00%, Lifetime 6.00%, 1 Year Treasury - 3.250% Margin, minimum interest rate is 3.25%.

5/1 Adjustable Rate (ARM): 15 & 30 Year Terms
Purchase & Refinance - 90% LTV to $475,000 loan amount, 85% to $575.000. 80% to $675,000, 75% $675,001+, (1-2) family, No Cash Out; 75% (1-2) family, Cash Out

Annual Rate Cap 2.00%, Lifetime 5.00%, 1 Year Treasury - 3.250% Margin, minimum interest rate is 3.25%.

7/1 Adjustable Rate (ARM): 15 & 30 Year Terms
Purchase & Refinance - 90% LTV to $475,000 loan amount, 85% to $575.000. 80% to $675,000, 75% $675,001+, (1-2) family, No Cash Out; 75% (1-2) family, Cash Out

First interest rate change Cap 5.00%, annual cap thereafter 2.00%, Lifetime 5.00%, 1 Year Treasury - 3.250% Margin, minimum interest rate is 3.25%.

7/1 Adjustable Rate (ARM); 15 & 30 Year Terms - Interest Only
Purchase & Refinance - 90% LTV to $475,000 loan amount, 85% to $575.000. 80% to $675,000, 75% $675,001+, (1-2) family, No Cash Out; 75% (1-2) family, Cash Out

First interest rate change Cap 5.00%, annual cap thereafter 2.00%, Lifetime 5.00%, 1 Year Treasury - 3.250% Margin, minimum interest rate is 3.25%.

10/1 Adjustable Rate (ARM): 15 & 30-Year Terms
Purchase & Refinance – 90% LTV to $500,000 loan amount, 85% to $625,000, 80% to $725,000, 75% to $725,001+, (1-2) family, No Cash Out; 75% (1-2) family, Cash Out

First interest rate change Cap 5.00%, annual cap thereafter 2.00%, Lifetime 5.00%. 1 year Treasury +3.00% Margin, minimum interest rate is 3.00%.