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10/10/10 ARM (Conforming) 6.375% Rate 6.267% APR

APR is variable and based on 10-year CMT plus 1.5% margin. Max change per adjustment period 3%; max lifetime adjustment 6%; floor rate 1.00%. Owner occupied properties in California only. Payment example: 120 payments of approximately $6.24 per $1,000 borrowed, followed by 240 payments of $5.93 per $1,000 borrowed (based on today's fully-indexed value). Taxes and insurance are not included in payment example; your actual payment will be higher.

15/15 ARM (Conforming) 6.625% Rate 6.493% APR

APR is variable and based on 10-year CMT plus 1% margin. Max adjustment 6%; floor rate 1.00%. Owner occupied properties in California only. Payment example: 180 payments of approximately $6.40 per $1,000 borrowed, followed by 180 payments of $5.93 per $1,000 borrowed (based on today's fully-indexed value). Taxes and insurance are not included in payment example; your actual payment will be higher.

30 Year 5/5 ARM (conforming) 6.250% Rate 6.512% APR

APR is variable and based on 60-day FNMA rate. Owner occupied properties in California only. Payment example: 60 payments of approximately $6.16 per $1,000 borrowed, followed by 300 payments of $6.30 per $1,000 borrowed (based on today's fully-indexed value). Taxes and insurance are not included in payment xample; your actual payment will be higher.

10/10/10 ARM (Jumbo) 6.375% Rate 6.222% APR

APR is variable and based on 10-year CMT plus 1.5% margin. Max change per adjustment period 3%; max lifetime adjustment 6%; floor rate 1.00%. Owner occupied properties in California only. Loan amounts $766,551 and greater. Payment example: 120 payments of approximately $6.24 per $1,000 borrowed, followed by 240 payments of $5.93 per $1,000 borrowed (based on today's fully-indexed value). Taxes and insurance are not included in payment example; your actual payment will be higher.

15/15 ARM (Jumbo) 6.625% Rate 6.469% APR

APR is variable and based on 10-year CMT plus 1% margin. Max adjustment 6%; floor rate 1.00%. Loan amounts $766,551 and greater. Owner occupied properties in California only. Payment example: 180 payments of approximately $6.40 per $1,000 borrowed, followed by 180 payments of $5.93 per $1,000 borrowed (based on today's fully-indexed value). Taxes and insurance are not included in payment example; your actual payment will be higher.

30 Year 5/5 ARM (jumbo) 6.250% Rate 6.599% APR

APR is variable and based on 60-day FNMA rate. Loan amounts $766,551 and greater. Owner occupied properties in California only. Payment example: 60 payments of approximately $6.16 per $1,000 borrowed, followed by 300 payments of $6.30 per $1,000 borrowed (based on today's fully-indexed value). Taxes and insurance are not included in payment example; your actual payment will be higher.

Home Equity Line of Credit (HELOC) (conforming) 5.99% APR for 6 months, then As Low as Prime +0%

APR is variable and based on Prime Rate as published in The Wall Street Journal on the last day of the previous month (currently 8.50%). Your actual rate may vary based on your credit history and CLTV. Minimum APR 3.99%. Maximum APR 15%. 20-year draw/repayment period with no annual fee. $499 opening fee for 2nd trust deeds or $799 for 1st trust deeds waived if $5,000 initial advance is taken and account remains open for 3 years, plus recording and notary fees. Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. $200,000 maximum loan amount. Not available for purchases. Payment example: 6 monthly payments of approximately $7.17 for each $1,000 borrowed, followed by 234 monthly payments of approximately $8.67 for each $1,000 borrowed. If only minimum payments are made, a balloon payment will result.

10 Year Fixed (conforming) As low as 7.000% APR

Your actual rate may vary based on your credit history and CLTV. Maximum LTV 80%. Your actual rate may vary based on your credit history and CLTV. Minimum loan amount $10,000; maximum loan amount $200,000. $499 opening fee for 2nd trust deeds (waived if loan remains open for 3 years), plus recording fees. Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. Payment example: 120 monthly payments of approximately $11.61 per $1,000 borrowed.

15 Year Fixed (conforming) As low as 7.250% APR

Your actual rate may vary based on your credit history and CLTV. Your actual rate may vary based on your credit history and CLTV. Minimum loan amount $10,000; maximum loan amount $200,000. $499 opening fee for 2nd trust deeds (waived if loan remains open for 3 years), plus recording fees. Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. Payment example: 180 monthly payments of $9.13 per $1,000 borrowed.

20 Year Fixed (conforming) As low as 7.500% APR

30 Year 7/1 ARM (conforming) As low as 7.243% APR

APR is fixed for 7 years, then adjusts annually based on weekly average 1-Year Constant Maturity Treasury, plus 3%. Maximum LTV 80%. Maximum loan amount $200,000. $499 opening fee for 2nd trust deeds (waived if loan remains open for 3 years), plus recording fees. Certain restrictions apply. Appraisal fee may be required. Owner occupied properties in California only. Add 0.50% for jumbo loans. Add 1 point for piggyback loans. Maximum lifetime adjustment 10%. Payment example: 84 payments of approximately $6.99 per $1,000 borrowed, followed by 276 payments of approximately $7.59 per $1,000 borrowed. 700+ FICO for lowest rates.

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