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REFINANCE YOUR MORTGAGE

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Whether you'd like to free up some money in your budget by lowering your monthly payments or pay off your mortgage faster, refinancing your home with a lower rate might be a good option for you. Discover how much you can save by using our calculator or by talking to one of our experienced Mortgage lenders. Call 888.222.8571 Option 5.

Refinancing Rates

Jumbo Rates

*Mortgage Terms and Conditions
The stated Annual Percentage Rates (APRs) are all based on $100,000 mortgages, except for the Fixed Rate Jumbo Portfolio Mortgages which are based on $647,200 mortgages. For example, a $100,000 15 Year Fixed Rate Purchase mortgage with an 80% LTV will have a 2.950% APR and the repayment schedule will be 180 monthly payments of approximately $685.

Adjustable Rate Mortgage
The 5/1 and 7/1 ARMs offer a fixed rate for the initial period of the loan and adjust to a one-year ARM after that period. The interest rate and monthly payment may adjust annually based on the weekly average yield on United States Treasury securities adjusted to a constant maturity of 1 year (the index) plus a margin of 2.50 percentage points (2.875 for Jumbo Loans) with a 2% annual change cap and a 5% life time cap.

5/1 ARM Payment for a $100,000 80% LTV loan with a 3.750% rate and 4.362% Annual Percentage Rate (APR), based on the current market condition, the payment schedule would be: 60 payments of $463 at an interest rate of 3.750% and 300 payments at $505 at an interest rate of 4.580%.

7/1 ARM Payment for a $100,000 80% LTV loan with a 4.000% rate and 4.387% Annual Percentage Rate (APR), based on the current market condition, the payment schedule would be: 84 payments of $477 at an interest rate of 4.000% and 276 payments at $505 at an interest rate of 4.580%.

Fixed Rate Mortgage
The stated Annual Percentage Rates (APRs) are all based on $100,000 mortgages, except for the Fixed Rate Jumbo Portfolio Mortgages which are based on $647,200 mortgages. For example, a $100,000 15 Year Fixed Rate Purchase mortgage with an 80% LTV will have a 4.472% APR and the repayment schedule will be 180 monthly payments of approximately $759.

Jumbo Mortgage
Higher loan limits available in High-Cost areas. Jumbo loan rates apply for higher loan limits.

Loan Limits:

Units Limit
One $647,200
Two $828,700
Three $1,001,650
Four $1,244,850

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