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| Mortgage Rate Sheet | | 1/6/2009 | | All rates and points are subject to change at any time. | | Certain rate and/or point adjustments may apply depending on loan features | | Today's rates are posted on this page between 10:30-11:00AM PST. | | All rates quoted assume a 30 day rate lock. Longer or shorter rate lock periods are available. |
- When shopping for a mortgage loan compare apples to apples. Beware of the hidden fees. Let your credit union provide a free side by side comparison, and you will see how much Financial Partners saves you.
- Purchase a home with a down payment as low as 3.5% - Call for details on FHA Programs.
- Check out our featured loan programs below or call or click for details for our full menu of all the programs available.
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Call 800.950.7328 for more details
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Apply Now!
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Conforming Fixed Rate Loan Programs - Loan Amounts to $417,000
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Annual Percentage Rate (APR) based on a loan amount of $417,000
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| 40 Year Fixed Conforming | 5.875% | 2.750% | 6.13% | | 6.000% | 2.500% | 6.24% | | 6.375% | 0.000% | 6.41% | | 30 Year Fixed Conforming | 4.375% | 1.750% | 4.54% | | 4.500% | 1.250% | 4.62% | | 4.875% | 0.000% | 4.89% | | 30 Year Fixed InterestFirst 10/20 Conforming | 6.375% | 2.000% | 6.59% | | 6.500% | 1.750% | 6.69% | | 6.625% | 1.625% | 6.81% | | 6.875% | 0.000% | 6.92% | | 20 Year Fixed Conforming | 4.375% | 1.750% | 4.60% | | 4.500% | 1.250% | 4.67% | | 4.625% | 0.750% | 4.73% | | 4.875% | 0.000% | 4.89% | | 15 Year Fixed Conforming | 4.000% | 2.875% | 4.46% | | 4.125% | 2.000% | 4.45% | | 4.250% | 1.250% | 4.46% | | 4.500% | 0.000% | 4.52% | | Loan amount between $417,001 and $625,500 may have additional fee and amounts are based on county location | |
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| Jumbo Fixed Rate Loan Programs - Loan Amounts from $417,001 -
$2,000,000 |
| Annual Percentage Rate (APR) based on a loan amount of
$500,000 |
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30 Year Fixed Jumbo | 5.625% | 1.750% | 5.80% | | 5.750% | 1.250% | 5.88% | | 5.875% | 0.750% | 5.95% | | 6.000% | 0.375% | 6.04% | |
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| 15 Year Fixed Jumbo | 5.375% | 2.000% | 5.70% | | 5.500% | 1.250% | 5.71% | | 5.625% | 0.500% | 5.72% | | 5.750% | 0.000% | 5.77% | | |
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| Adjustable Rate Programs |
| Annual Percentage Rate (APR) based on a loan amount of
$417,000 |
| 5/1 Adjustable Rate Loan | 4.875% | 0.625% | 3.82% | | 5.000% | 0.375% | 3.84% | | 5.125% | 0.125% | 3.87% | | 5.500% | 0.000% | 3.98% | | 5/1 Interest First Adjustable Rate Loan | 4.750% | 1.125% | 3.71% | | 4.875% | 0.875% | 3.75% | | 5.125% | 0.375% | 3.84% | | 5.375% | 0.000% | 3.93% | | 7/1 Adjustable Rate Loan | 4.750% | 1.000% | 4.00% | | 4.875% | 0.750% | 4.04% | | 5.125% | 0.375% | 4.13% | | 5.500% | 0.000% | 4.27% | | 7/1 Interest First Adjustable Rate Loan | 5.000% | 0.750% | 4.01% | | 5.125% | 0.625% | 4.07% | | 5.375% | 0.125% | 4.19% | | 5.750% | 0.000% | 4.38% | |
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First Mortgage purchase or refinance loans are available in California, Colorado and Michigan
For additional interest rate quotes and/or feature-based pricing adjustments contact a Mortgage Loan Counselor.
Loan Rate or Point Adjustments
Point Adjusments are added to Points
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Conforming |
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Investment <=75% |
+1.50
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Investment 75.01-80% |
+2.00
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Investment 80.01-90% |
+2.50
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Cash-out Refi 70.01 - 80% |
+.50
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Cash-out Refi 80.01 - 90% |
+.75
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2 Units 75.01-95% |
+.50
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Owner Occ, 3-4 Unit<=80% |
+.75
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Consult pricing representative for additional rebate options.
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LTV/CLTV Range |
Disc. Adj. |
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65.01 -95% / 90.01-100% |
+.25 |
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Each 15 Day Extension - Increase Rate .125% |
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Jumbo |
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FICO > 720 |
-0.125 |
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FICO 660-679 |
+.375 |
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FICO 620-659 |
+.500 |
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LTV 80.01-90 |
+.25 |
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LTV 90.01-95 |
+.50 |
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CTLV 90.01-95 |
+.125 |
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Cash Out Refinance |
+.25 |
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Loan Amt >$800K - $1 Mil |
+.25 |
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Loan Amt $1 Mil - $1.5 Mil |
+.75 |
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Loan Amt $1.5 Mil - $2 Mil |
+1.00 |
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Condo <=4 Stories |
+.25 |
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Condo > 4 Stories |
+.375 |
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2 Unit |
+.125 |
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3 & 4 Unit |
+.50 |
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Second Home |
+.375 |
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FICO > 720 |
-0.250 |
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FICO 660-679 |
+.25 |
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LTV 75.01-80 |
+.125 |
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LTV 80.01-90 |
+.25 |
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LTV 90.01-95 |
+.375 |
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CTLV 90.01-95 |
+.125 |
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CTLV 95.01-100 |
+.375 |
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Cash Out Refinance |
+.25 |
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Loan Amt >$800K - $1 Mill |
+.25 |
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Loan Amt $1 Mil - $1.5 Mil |
+.50 |
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Loan Amt $1.5 Mil - $2 Mil |
+.75 |
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Condo <=4 Stories |
+.125 |
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Condo > 4 Stories |
+.25 |
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2 Unit |
+.125 |
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3 & 4 Unit |
+.50 |
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Second Home |
+.375 |
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| Loan-to-value Ratio | Increase Rate | | 70.01-80% | .125% | | 80.01-90% | .25% | | Below 70% | n/a |
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| LTV/CLTV Range* | Point Adj. | | 65.01-75% / 90.01-95% | +.25 | | 75.01-95% / 90.01-95% | +.25 | | Below 66% / 90.01-95% | n/a | | * LTV = 1st mortgage Loan-to-value | | *CLTV = Combined Loan-to-value |
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