Today's Rates
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Date: 1/05/09
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Government Fixed Rates
FHA 97.75% / FHA Purchase / FHA RT
100% VA Purchase / VA RT
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Pay 1 Point |
Pay 0 Points |
Get 1 Point |
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Adjustments in fees not rate |
| 30 yr. Rate |
5.500 |
5.750 |
6.250 |
Amount<$75K add .5
Cash-out refi add .25
Manual/Refer add 1.0
VA add .25 |
| APR |
5.797 |
5.956 |
6.365 |
| 15 yr. Rate |
5.250 |
5.500 |
6.000 |
| APR |
5.751 |
5.844 |
6.189 |
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Alternate Documentation Loan
Min credit score 720 , max loan 80% and $ 500,000
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Pay 1 Point |
Pay 0 Points |
Get 1 Point |
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Exceptions |
| 30 yr. Rate |
6.750 |
7.250 |
7.750 |
Cash/out refi + 1.5
Non-owner +2.5
< $ 125,000 +1.5
3-4 Units + 1.5
call for ARM pricing
all adjustments in fee not rate |
| APR |
7.071 |
7.475 |
7.876 |
| 15 yr. Rate |
6.500 |
7.000 |
7.625 |
| APR |
7.019 |
7.360 |
7.823 |
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NEW!! FannieMae A- program , Full Income Documentation, purchase/refi, min. credit score 620, 6% seller help allowed
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Pay 1 Point |
Pay 0 Points |
Get 1 Point |
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Adjustments |
| 30 yr. Rate |
7.250 |
7.750 |
8.250 |
<$125,000 + 1.25
2 units +.75
Cash-out refi + 1.5
All Exceptions considered |
| APR |
7.580 |
7.982 |
8.380 |
| 15 yr. Rate |
7.000 |
7.500 |
8.000 |
| APR |
7.527 |
7.865 |
8.201 |
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Jumbo Fixed Rates-- Loans > $ 650,000
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Pay 1 Point |
Pay 0 Points |
Get 1 Point |
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Adjustments ( all in fee ) |
| 30 yr. Rate |
6.250 |
6.500 |
7.000 |
>$650K-$2mm add .75
cash-out add .75
loans > $2mm call
Interest only add .50 |
| APR |
6.561 |
6.715 |
7.120 |
| 15 yr. Rate |
6.250 |
6.500 |
7.000 |
| APR |
6.766 |
6.854 |
7.195 |
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Now available -- 90% -
- purchase / refinance -
No Escrows - NIV / Stated - 680
Fico -
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We buy owner / seller
mortgages and land contracts.
Call for details...
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NEW NEW NEW NEW STATED INCOME EQUITY LINES TO 80 % Prime plus spread....call for pricing
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• All loan programs require all disclosures as mandated by local / state and federal regulations. Not all loan programs are available everywhere and not everyone will qualify for a loan with PLAMCO.
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Loan programs, rates and fees subject to change without prior notice.
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