Rate Sheet

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Let us help you get the “best” rate. What does that mean? Not all mortgage rates are created equal. There are fixed rates, adjustable rates, introductory “teaser” rates and all kinds of fine print that go along with each of them. We clear away the confusion and show you the rates and loan programs that you will like best. You can be certain that we will answer all of your questions so you can be confident that you have the best rate to fit your personal needs.

Our experience and vast network of lenders assures you that we can find a rate and loan program to fit your personal situation. We also want to make sure that you are an educated consumer. Don’t be fooled by low advertised rates that suck you in only to find out too late in the process that your rate will be higher. Other things to watch out for are hidden fees associated with those “teaser” rates that make those attractive rates not so attractive after all. Let us be your guide so that you can be assured that you have the best rate after all the costs are taken into account. Please give us a call so we can make your dream rate and home a reality.

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March 10, 2010
Product	Rate	APR	Description
30 Yr Fixed	4.625	4.751	Conventional, conforming 30 Year fixed rate mortgage. Assumes purchase or Refi, 417k loan amount, 80% LTV or less on a primary residence in California with a credit score of 740.
FHA 30 yr Fixed	4.750	5.285	FHA 30 Year fixed rate mortgage. Assumes purchase, $417,000 loan amount, 96.5% LTV on a primary residence in California with a credit score of 620 or higher.
FHA Jumbo	5.000	5.299	FHA high balance 30 Year fixed rate mortgage. Assumes purchase, $729,750 loan amount, 96.5% LTV or less on a primary residence in selected areas of California with a credit score of 660 or higher.
15 Yr Fixed	4.125	4.378	Conventional, conforming 15 Year fixed rate mortgage. Assumes purchase or Refi, 417k loan amount, 80% LTV or less on a primary residence in California with a credit score of 740.

March 10, 2010
Product	Rate	APR	Description
High Balance 30	4.750	4.994	Conventional, conforming 30 Year fixed rate mortgage. Assumes purchase or Refi, up to $729,750 in selected areas of CA, 80% LTV or less on a primary residence with a credit score of 740.
30 Year No PMI	4.875	4.967	Conventional, conforming 30 Year fixed rate mortgage with lender paid mortgage insurance. Assumes purchase or Refi, 417k loan amount, 80.01% to 90% LTV on a primary residence in California with a credit score of 740.